PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington School Employees Cr. Un.

Seattle, WA · Charter 89178

Q2 1998

$345.7MAssets
$181.8MLoans
$304.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.88%, down 5 bps year over year.
  • Asset quality: problem loans at 0.03% of loans (+1 bps YoY).
  • Funding: loans stand at 59.76% of shares as of Q2 1998.

Return on Assets (quarter, annualized)

3.88%-5 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets3.41%3.60%3.75%3.93%4.13%4.11%3.74%3.88%-5 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.74%3.44%3.84%0.37%-0.14%1.21%0.55%2.04%+167 bps
Loan Growth (YoY)1.89%1.76%0.98%8.30%15.07%11.83%7.90%3.20%-510 bps
Share Growth (YoY)1.45%3.04%3.13%-0.26%-1.59%-0.12%-0.55%0.73%+99 bps
Asset Quality
Delinquent Loans / Loans0.05%0.09%0.04%0.01%0.03%0.04%0.05%0.03%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.14%0.19%0.19%0.18%0.11%0.11%0.14%0.14%-4 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares52.92%55.42%55.38%58.33%61.88%62.05%60.09%59.76%+143 bps
Liquid Assets / Assets23.56%21.81%19.28%21.74%22.84%24.72%25.86%26.95%+521 bps