PackageTrendsPeer
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Westop

Tacoma, WA · Charter 89174

Q4 1996

$37.6MAssets
$29.2MLoans
$35.0MShares
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 3.19%, down 62 bps year over year.
  • Asset quality: problem loans at 1.89% of loans (+123 bps YoY).
  • Funding: loans stand at 83.36% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.19%-62 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 Assets3.82%4.18%4.27%3.39%3.19%-62 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-1.42%-4.75%n/a
Loan Growth (YoY)n/an/an/a19.45%6.24%n/a
Share Growth (YoY)n/an/an/a-1.13%2.38%n/a
Asset Quality
Delinquent Loans / Loans0.66%0.67%1.38%1.77%1.89%+123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%1.27%1.30%1.38%+138 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 / Shares80.33%87.40%87.00%81.70%83.36%+303 bps
Liquid Assets / Assets8.61%16.64%6.15%11.29%9.59%+98 bps