PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kenworth Employees

Seattle, WA · Charter 89176

Q4 1996

$6.8MAssets
$2.8MLoans
$6.0MShares
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 4.24%, down 21 bps year over year.
  • Asset quality: problem loans at 0.48% of loans (+29 bps YoY).
  • Funding: loans stand at 46.41% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.24%-21 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.45%5.21%5.64%4.34%4.24%-21 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-13.82%-16.72%n/a
Loan Growth (YoY)n/an/an/a-3.46%-5.87%n/a
Share Growth (YoY)n/an/an/a-16.11%-20.57%n/a
Asset Quality
Delinquent Loans / Loans0.19%0.06%0.01%0.10%0.48%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.32%0.31%1.10%1.03%+103 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 / Shares39.16%42.82%49.26%46.17%46.41%+725 bps
Liquid Assets / Assets58.64%51.51%39.27%39.89%42.30%-1,634 bps