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Puget Power

Bellevue, WA · Charter 89119

Q2 1996

$10.9MAssets
$5.8MLoans
$9.8MShares
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 4.49%, up 21 bps year over year.
  • Asset quality: problem loans at 0.22% of loans (+12 bps YoY).
  • Funding: loans stand at 59.39% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.49%+21 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.27%4.50%4.24%4.61%4.49%+21 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/an/a18.94%n/an/a
Loan Growth (YoY)n/an/an/an/a14.95%n/an/a
Share Growth (YoY)n/an/an/an/a20.59%n/an/a
Asset Quality
Delinquent Loans / Loans0.10%0.60%0.29%0.37%0.22%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.14%0.20%0.55%0.41%0.32%+19 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 / Shares62.30%61.23%72.08%70.68%59.39%-291 bps
Liquid Assets / Assets43.75%42.67%33.92%34.74%36.09%-766 bps