PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Spokane Law Enforcement

Spokane, WA · Charter 89167

Q2 1997

$11.1MAssets
$7.6MLoans
$9.5MShares
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 3.61%, down 27 bps year over year.
  • Asset quality: problem loans at 0.31% of loans (+10 bps YoY).
  • Funding: loans stand at 79.98% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.61%-27 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.87%3.65%3.26%3.32%3.61%-27 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/a8.53%14.84%18.24%n/a
Loan Growth (YoY)n/an/a3.91%7.76%9.46%n/a
Share Growth (YoY)n/an/a7.15%15.53%20.88%n/a
Asset Quality
Delinquent Loans / Loans0.21%0.20%0.80%1.41%0.31%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.52%0.41%0.27%0.25%0.50%-2 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 / Shares88.32%84.38%74.05%72.93%79.98%-834 bps
Liquid Assets / Assets7.09%10.39%22.41%23.62%16.47%+938 bps