Olympia, WA · Charter 89115
Q1 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1997, the quarter ended March 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Olympia, WA · Charter 89115
Q1 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.11% | 5.10% | n/a | 4.99% | 4.56% | -55 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 31.91% | 23.10% | 10.18% | 0.75% | 2.55% | -2,936 bps | |
| Loan Growth (YoY) | 17.18% | 10.68% | 7.29% | 7.88% | 10.00% | -719 bps | |
| Share Growth (YoY) | 39.09% | 23.92% | 9.82% | -0.25% | 1.82% | -3,727 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.31% | 1.33% | 1.38% | 1.09% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.97% | 1.06% | 1.08% | 1.00% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.30% | 83.71% | 88.11% | 90.24% | 85.66% | +637 bps | |
| Liquid Assets / Assets | 20.80% | 16.81% | 13.66% | 13.17% | 17.34% | -346 bps | |