PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wash. Water Power Empls. Credit Un.

Spokane, WA · Charter 89111

Q2 1997

$23.4MAssets
$18.1MLoans
$20.9MShares
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 5.99%, down 9 bps year over year.
  • Asset quality: problem loans at 0.72% of loans (+62 bps YoY).
  • Funding: loans stand at 86.66% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

5.99%-9 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets6.08%5.96%5.84%5.67%5.99%-9 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/a20.43%27.35%32.41%n/a
Loan Growth (YoY)n/an/a9.01%9.48%16.56%n/a
Share Growth (YoY)n/an/a20.34%28.31%33.98%n/a
Asset Quality
Delinquent Loans / Loans0.10%0.12%0.23%0.35%0.72%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.15%0.18%0.16%0.20%0.17%+2 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 / Shares99.61%92.85%85.59%82.43%86.66%-1,295 bps
Liquid Assets / Assets9.20%14.07%16.16%18.78%15.89%+670 bps