Wapato, WA · Charter 89146
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Wapato, WA · Charter 89146
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.06% | 5.48% | 4.98% | 2.30% | 3.96% | -110 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) | n/a | n/a | n/a | n/a | 4.24% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -15.74% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 2.73% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.83% | 2.88% | 4.54% | 5.98% | 6.91% | +409 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.52% | 0.49% | 0.73% | +73 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 | 106.52% | 102.73% | 99.25% | 102.27% | 87.36% | -1,915 bps | |
| Liquid Assets / Assets | 1.34% | 0.00% | 4.96% | 5.67% | 18.69% | +1,735 bps | |