PackageTrendsPeer
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Spokane Postal

Spokane, WA · Charter 89182

Q4 1996

$34.5MAssets
$21.2MLoans
$31.5MShares
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 4.11%, down 7 bps year over year.
  • Asset quality: problem loans at 0.46% of loans (-5 bps YoY).
  • Funding: loans stand at 67.34% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.11%-7 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 Assets4.18%3.89%4.05%4.11%4.11%-7 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-7.51%-5.90%n/a
Loan Growth (YoY)n/an/an/a6.32%-3.35%n/a
Share Growth (YoY)n/an/an/a-7.92%-7.83%n/a
Asset Quality
Delinquent Loans / Loans0.51%0.34%0.54%1.06%0.46%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.96%0.93%0.78%0.74%0.71%-25 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 / Shares64.21%70.98%72.22%68.28%67.34%+313 bps
Liquid Assets / Assets14.39%11.13%14.79%11.35%13.68%-71 bps