PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Twin County

Olympia, WA · Charter 89115

Q1 1997

$245.9MAssets
$190.3MLoans
$222.2MShares
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 55 bps year over year.
  • Asset quality: problem loans at 1.09% of loans (-29 bps YoY).
  • Funding: loans stand at 85.66% of shares as of Q1 1997.

Financial Results

Return on Assets (quarter, annualized)

4.56%-55 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets5.11%5.10%n/a4.99%4.56%-55 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)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 / Loans1.38%1.31%1.33%1.38%1.09%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%0.97%1.06%1.08%1.00%+15 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 / Shares79.30%83.71%88.11%90.24%85.66%+637 bps
Liquid Assets / Assets20.80%16.81%13.66%13.17%17.34%-346 bps