PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Scott Employees

Everett, WA · Charter 89164

Q4 1996

$20.2MAssets
$9.0MLoans
$15.8MShares
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 5.41%, up 84 bps year over year.
  • Asset quality: problem loans at 1.32% of loans (-74 bps YoY).
  • Funding: loans stand at 56.80% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.41%+84 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 Assets4.57%4.90%5.04%5.04%5.41%+84 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-2.76%1.00%n/a
Loan Growth (YoY)n/an/an/a17.03%33.56%n/a
Share Growth (YoY)n/an/an/a-6.82%-5.01%n/a
Asset Quality
Delinquent Loans / Loans2.06%0.40%0.80%1.67%1.32%-74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.36%+36 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 / Shares40.40%43.12%47.89%48.81%56.80%+1,641 bps
Liquid Assets / Assets15.97%11.07%30.40%31.34%27.90%+1,192 bps