PackageTrendsPeer
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Seattle Pacific

Seattle, WA · Charter 89172

Q2 1996

$3.8MAssets
$2.7MLoans
$3.5MShares
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 2.70%, down 28 bps year over year.
  • Asset quality: problem loans at 3.86% of loans (+301 bps YoY).
  • Funding: loans stand at 77.15% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

2.70%-28 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.

MetricQ3 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.98%2.97%2.94%2.86%2.70%-28 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/a6.07%0.28%n/a
Loan Growth (YoY)n/an/an/a-8.14%-11.13%n/a
Share Growth (YoY)n/an/an/a6.50%-1.26%n/a
Asset Quality
Delinquent Loans / Loans0.85%0.56%1.67%1.48%3.86%+301 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.64%0.58%0.41%0.42%0.81%+17 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 / Shares85.72%84.93%83.96%71.29%77.15%-857 bps
Liquid Assets / Assets7.35%8.45%10.57%22.30%14.58%+723 bps