PackageTrendsPeer
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Valley Medical Center

Renton, WA · Charter 8750

Q2 1997

$9.2MAssets
$6.8MLoans
$7.7MShares
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 4.56%, down 80 bps year over year.
  • Asset quality: problem loans at 0.31% of loans (-13 bps YoY).
  • Funding: loans stand at 88.49% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.56%-80 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.36%5.11%4.60%4.56%4.56%-80 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)n/an/a-0.70%4.53%5.27%n/a
Loan Growth (YoY)n/an/a13.14%4.57%-9.87%n/a
Share Growth (YoY)n/an/a-4.05%1.67%2.89%n/a
Asset Quality
Delinquent Loans / Loans0.45%0.46%1.42%0.98%0.31%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.56%0.55%0.53%0.49%0.45%-11 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 / Shares101.02%95.77%90.79%89.88%88.49%-1,253 bps
Liquid Assets / Assets8.06%12.16%18.06%11.08%21.38%+1,332 bps