PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Strait View

Port Angeles, WA · Charter 89160

Q4 1996

$15.3MAssets
$10.1MLoans
$13.4MShares
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 5.05%, up 26 bps year over year.
  • Asset quality: problem loans at 1.37% of loans (+29 bps YoY).
  • Funding: loans stand at 75.47% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

5.05%+26 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 Assets4.79%5.09%5.32%5.11%5.05%+26 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/a0.33%5.47%n/a
Loan Growth (YoY)n/an/an/a22.61%21.70%n/a
Share Growth (YoY)n/an/an/a-3.06%2.28%n/a
Asset Quality
Delinquent Loans / Loans1.08%1.08%1.27%0.89%1.37%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.38%0.39%0.39%0.46%+9 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 / Shares63.43%72.43%78.75%74.65%75.47%+1,204 bps
Liquid Assets / Assets27.75%18.12%16.02%17.74%22.78%-497 bps