PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union of the Pacific

Seattle, WA · Charter 8275

Q2 1996

$91.1MAssets
$80.1MLoans
$78.9MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.66%, up 38 bps year over year.
  • Asset quality: problem loans at 1.44% of loans (+90 bps YoY).
  • Funding: loans stand at 101.52% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.66%+38 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets4.28%4.34%4.36%4.73%4.66%+38 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.38%-0.75%2.08%0.33%1.30%-8 bps
Loan Growth (YoY)5.30%4.63%5.93%1.92%3.89%-142 bps
Share Growth (YoY)1.00%-0.12%1.00%3.59%1.31%+32 bps
Asset Quality
Delinquent Loans / Loans0.55%0.79%0.90%1.09%1.44%+90 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.28%0.27%0.30%0.32%0.27%0 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares99.00%100.83%102.64%97.25%101.52%+252 bps
Liquid Assets / Assets2.82%2.72%2.80%2.99%3.39%+57 bps