PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Transportation Dist. #1

Seattle, WA · Charter 89148

Q4 1996

$16.4MAssets
$11.0MLoans
$14.6MShares
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 3.82%, down 9 bps year over year.
  • Asset quality: problem loans at 0.03% of loans (-9 bps YoY).
  • Funding: loans stand at 75.43% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.82%-9 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 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.91%3.86%3.86%3.95%3.82%-9 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/a3.23%5.86%n/a
Loan Growth (YoY)n/an/an/a7.07%13.18%n/a
Share Growth (YoY)n/an/an/a1.68%4.97%n/a
Asset Quality
Delinquent Loans / Loans0.12%0.16%0.14%0.12%0.03%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.35%0.37%0.44%0.40%+3 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 / Shares69.96%74.94%75.87%73.10%75.43%+547 bps
Liquid Assets / Assets16.40%15.91%14.86%12.77%16.10%-30 bps