PackageTrendsPeer
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Svgia

Seattle, WA · Charter 89168

Q2 1996

$1.2MAssets
$930KLoans
$1.1MShares
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 3.56%, up 64 bps year over year.
  • Asset quality: problem loans at 0.12% of loans (-31 bps YoY).
  • Funding: loans stand at 85.68% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.56%+64 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.93%3.44%4.24%3.98%3.56%+64 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/an/a-21.84%n/an/a
Loan Growth (YoY)n/an/an/an/a-19.69%n/an/a
Share Growth (YoY)n/an/an/an/a-23.64%n/an/a
Asset Quality
Delinquent Loans / Loans0.43%0.34%0.00%0.11%0.12%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%2.15%+215 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 / Shares81.46%103.67%100.91%90.01%85.68%+422 bps
Liquid Assets / Assets25.54%6.82%11.19%14.86%25.54%0 bps