PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Yakima Postal & Federal Credit Un.

Yakima, WA · Charter 89107

Q4 1996

$5.3MAssets
$3.8MLoans
$5.0MShares
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 4.00%, up 82 bps year over year.
  • Asset quality: problem loans at 3.84% of loans (+335 bps YoY).
  • Funding: loans stand at 76.50% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.00%+82 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.19%3.29%3.81%3.98%4.00%+82 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/an/a-9.26%-14.49%n/a
Loan Growth (YoY)n/an/an/a3.40%-8.32%n/a
Share Growth (YoY)n/an/an/a-10.59%-15.76%n/a
Asset Quality
Delinquent Loans / Loans0.49%0.28%0.88%2.21%3.84%+335 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.27%1.28%1.12%1.17%+6 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 / Shares70.29%77.70%78.54%77.05%76.50%+620 bps
Liquid Assets / Assets21.49%21.77%19.03%19.64%18.86%-263 bps