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North Puget Power

Bellingham, WA · Charter 89120

Q4 1996

$3.2MAssets
$2.2MLoans
$2.8MShares
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 5.66%, up 47 bps year over year.
  • Asset quality: problem loans at 0.94% of loans (+3 bps YoY).
  • Funding: loans stand at 80.09% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

5.66%+47 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 Assets5.19%5.58%5.45%5.27%5.66%+47 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-4.99%-6.82%n/a
Loan Growth (YoY)n/an/an/a-8.16%3.26%n/a
Share Growth (YoY)n/an/an/a-7.05%-9.35%n/a
Asset Quality
Delinquent Loans / Loans0.92%1.67%0.34%1.38%0.94%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.44%0.44%0.52%0.59%0.05%-39 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 / Shares70.31%80.64%79.34%74.25%80.09%+978 bps
Liquid Assets / Assets6.83%10.74%8.30%15.77%6.37%-46 bps