Longview, WA · Charter 89150
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 1995 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.18% | 4.34% | 4.22% | 4.04% | 4.36% | +18 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 | -0.72% | 0.05% | 8.03% | 7.55% | n/a | |
| Loan Growth (YoY) | n/a | 13.88% | 7.33% | 7.81% | 13.30% | n/a | |
| Share Growth (YoY) | n/a | -2.28% | -0.88% | 6.76% | 7.85% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.39% | 0.47% | 0.35% | 0.26% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.72% | 0.72% | 0.71% | 0.70% | -10 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 | 77.23% | 76.85% | 77.54% | 76.26% | 81.13% | +390 bps | |
| Liquid Assets / Assets | 8.68% | 9.82% | 9.52% | 11.22% | 10.52% | +183 bps | |