PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chelan County P U D Empl. Cr. Un.

Wenatchee, WA · Charter 89123

Q2 1997

$3.7MAssets
$2.1MLoans
$3.4MShares
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 55 bps year over year.
  • Asset quality: problem loans at 0.88% of loans (+53 bps YoY).
  • Funding: loans stand at 60.96% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.49%+55 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.94%4.28%4.62%4.54%4.49%+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)n/an/a-6.16%-1.49%5.46%n/a
Loan Growth (YoY)n/an/a-0.28%7.40%4.56%n/a
Share Growth (YoY)n/an/a-4.25%-2.14%5.04%n/a
Asset Quality
Delinquent Loans / Loans0.35%0.36%0.55%0.45%0.88%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.12%1.38%1.72%1.74%1.67%+56 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 / Shares61.23%58.97%56.18%60.25%60.96%-28 bps
Liquid Assets / Assets0.00%3.86%2.56%0.09%0.00%0 bps