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Lucky Lager

Vancouver, WA · Charter 89152

Q4 1996

$1.8MAssets
$1.4MLoans
$1.7MShares
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 3.15%, down 58 bps year over year.
  • Asset quality: problem loans at 1.56% of loans (+16 bps YoY).
  • Funding: loans stand at 84.60% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.15%-58 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 Assets3.73%3.55%3.69%3.00%3.15%-58 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/a-10.74%-14.26%n/a
Loan Growth (YoY)n/an/an/a-16.30%-20.18%n/a
Share Growth (YoY)n/an/an/a-11.20%-13.79%n/a
Asset Quality
Delinquent Loans / Loans1.40%2.73%2.44%3.66%1.56%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%1.43%+143 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 / Shares91.37%90.63%92.65%80.21%84.60%-677 bps
Liquid Assets / Assets13.09%12.40%11.50%0.00%19.48%+638 bps