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Sumner Fibre

Sumner, WA · Charter 89157

Q4 1996

$1.3MAssets
$817KLoans
$1.2MShares
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 3.89%, up 6 bps year over year.
  • Asset quality: problem loans at 4.69% of loans (+327 bps YoY).
  • Funding: loans stand at 71.00% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.89%+6 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.83%4.12%4.08%3.75%3.89%+6 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-9.49%-12.77%n/a
Loan Growth (YoY)n/an/an/a-5.73%-5.88%n/a
Share Growth (YoY)n/an/an/a-11.48%-14.86%n/a
Asset Quality
Delinquent Loans / Loans1.42%2.78%5.29%4.40%4.69%+327 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.43%0.69%0.47%0.57%0.67%+24 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 / Shares64.23%76.77%74.33%69.48%71.00%+677 bps
Liquid Assets / Assets39.37%30.20%33.73%36.00%36.23%-314 bps