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Spokane Teachers

Spokane, WA · Charter 89109

Q3 1996

$259.1MAssets
$167.0MLoans
$232.3MShares
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

  • Asset quality: problem loans at 0.40% of loans (+6 bps YoY).
  • Funding: loans stand at 71.87% of shares as of Q3 1996.

Financial Results

Return on Assets (YTD, annualized)

n/a

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 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets5.10%4.96%4.93%4.99%n/an/a
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)0.19%6.56%13.89%15.30%16.11%+1,592 bps
Loan Growth (YoY)17.72%16.79%13.08%15.11%17.78%+6 bps
Share Growth (YoY)-1.99%5.93%14.58%15.96%16.73%+1,873 bps
Asset Quality
Delinquent Loans / Loans0.34%0.33%0.35%0.35%0.40%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.68%0.69%0.64%0.59%-12 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 / Shares71.23%70.29%66.05%67.64%71.87%+64 bps
Liquid Assets / Assets7.49%11.71%16.14%14.50%9.50%+200 bps