Sumner, WA · Charter 89157
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 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.
Sumner, WA · Charter 89157
Q4 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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.83% | 4.12% | 4.08% | 3.75% | 3.89% | +6 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 | -9.49% | -12.77% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -5.73% | -5.88% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -11.48% | -14.86% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.42% | 2.78% | 5.29% | 4.40% | 4.69% | +327 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.69% | 0.47% | 0.57% | 0.67% | +24 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 | 64.23% | 76.77% | 74.33% | 69.48% | 71.00% | +677 bps | |
| Liquid Assets / Assets | 39.37% | 30.20% | 33.73% | 36.00% | 36.23% | -314 bps | |