PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gasco

Seattle, WA · Charter 89142

Q4 1997

$1.6MAssets
$1.1MLoans
$1.4MShares
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 3.80%, down 70 bps year over year.
  • Asset quality: problem loans at 0.83% of loans (+16 bps YoY).
  • Funding: loans stand at 84.31% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.80%-70 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.50%4.40%4.25%2.88%3.80%-70 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/a-8.62%-8.85%-2.57%3.73%n/a
Loan Growth (YoY)n/a-6.31%-27.53%-18.15%-15.30%n/a
Share Growth (YoY)n/a-11.22%-5.15%-3.27%3.95%n/a
Asset Quality
Delinquent Loans / Loans0.67%0.81%0.91%0.85%0.83%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.79%0.80%0.92%1.07%+107 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 / Shares103.47%96.85%88.95%89.70%84.31%-1,916 bps
Liquid Assets / Assets10.18%19.68%26.76%24.99%28.65%+1,847 bps