PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

King Street Terminal

Seattle, WA · Charter 89118

Q4 1996

$6.2MAssets
$4.6MLoans
$5.9MShares
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 3.66%, up 9 bps year over year.
  • Asset quality: problem loans at 0.60% of loans (-106 bps YoY).
  • Funding: loans stand at 78.42% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.66%+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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.57%4.03%3.88%3.61%3.66%+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/an/a-18.31%-19.89%n/a
Loan Growth (YoY)n/an/an/a6.82%1.34%n/a
Share Growth (YoY)n/an/an/a-20.97%-20.88%n/a
Asset Quality
Delinquent Loans / Loans1.67%1.60%1.22%1.10%0.60%-106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.30%0.76%0.46%0.59%1.70%+40 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 / Shares61.22%73.13%76.11%77.39%78.42%+1,720 bps
Liquid Assets / Assets20.04%19.07%12.88%18.95%16.54%-350 bps