PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kitsap County Public Empl. Cr. Un.

Bremerton, WA · Charter 89124

Q4 1996

$15.0MAssets
$12.2MLoans
$12.9MShares
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 5.25%, up 7 bps year over year.
  • Asset quality: problem loans at 1.05% of loans (-23 bps YoY).
  • Funding: loans stand at 94.46% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.25%+7 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.19%4.84%5.07%5.30%5.25%+7 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/a16.52%9.10%n/a
Loan Growth (YoY)n/an/an/a13.50%6.63%n/a
Share Growth (YoY)n/an/an/a14.00%5.93%n/a
Asset Quality
Delinquent Loans / Loans1.28%1.01%1.98%1.33%1.05%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.53%0.53%0.37%0.51%+51 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 / Shares93.84%96.97%100.32%88.57%94.46%+62 bps
Liquid Assets / Assets3.67%7.19%5.48%17.41%13.15%+947 bps