PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Highway District #5 Cr. Un.

Yakima, WA · Charter 89145

Q2 1996

$14.0MAssets
$9.7MLoans
$12.1MShares
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 4.94%, down 3 bps year over year.
  • Asset quality: problem loans at 0.56% of loans (+15 bps YoY).
  • Funding: loans stand at 79.55% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.94%-3 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.98%5.14%5.12%4.79%4.94%-3 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/an/a10.21%n/an/a
Loan Growth (YoY)n/an/an/an/a17.87%n/an/a
Share Growth (YoY)n/an/an/an/a9.56%n/an/a
Asset Quality
Delinquent Loans / Loans0.41%0.09%0.36%0.42%0.56%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.27%+27 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 / Shares73.93%83.04%90.77%81.74%79.55%+561 bps
Liquid Assets / Assets33.70%4.05%4.10%27.23%23.71%-1,000 bps