PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Snohomish County Pud 1

Everett, WA · Charter 89121

Q4 1996

$31.2MAssets
$25.3MLoans
$27.6MShares
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 4.90%, up 56 bps year over year.
  • Asset quality: problem loans at 1.46% of loans (+50 bps YoY).
  • Funding: loans stand at 91.61% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.90%+56 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 Assets4.34%4.35%4.34%4.83%4.90%+56 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/a3.47%4.31%n/a
Loan Growth (YoY)n/an/an/a21.57%10.39%n/a
Share Growth (YoY)n/an/an/a1.68%5.42%n/a
Asset Quality
Delinquent Loans / Loans0.96%1.61%1.51%2.28%1.46%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.58%0.74%0.76%0.78%+33 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 / Shares87.48%93.23%89.08%90.79%91.61%+413 bps
Liquid Assets / Assets8.78%7.86%11.13%7.27%10.21%+143 bps