Seattle, WA · Charter 89133
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Seattle, WA · Charter 89133
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.30% | 4.78% | 4.31% | 2.59% | 4.35% | +5 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -3.29% | -2.30% | -0.83% | -4.32% | -6.57% | -328 bps | |
| Loan Growth (YoY) | 11.62% | 10.36% | -2.88% | -4.57% | -9.55% | -2,118 bps | |
| Share Growth (YoY) | -4.99% | -3.78% | -1.63% | -3.45% | -6.07% | -108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 1.32% | 4.05% | 2.97% | 3.44% | +297 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 1.65% | 1.85% | 3.90% | 3.88% | +311 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.46% | 82.90% | 80.36% | 83.72% | 77.47% | -298 bps | |
| Liquid Assets / Assets | 27.42% | 23.42% | 25.90% | 25.84% | 30.94% | +351 bps | |