PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eastside

Seattle, WA · Charter 89184

Q4 1997

$10.1MAssets
$6.9MLoans
$8.9MShares
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 3.78%, down 65 bps year over year.
  • Asset quality: problem loans at 0.69% of loans (+18 bps YoY).
  • Funding: loans stand at 77.56% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.78%-65 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.43%3.97%3.72%3.81%3.78%-65 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/a-7.40%7.12%16.52%27.23%n/a
Loan Growth (YoY)n/a-9.99%-3.09%-4.90%2.95%n/a
Share Growth (YoY)n/a-8.76%5.79%16.68%28.93%n/a
Asset Quality
Delinquent Loans / Loans0.52%0.58%0.53%0.30%0.69%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%1.09%0.95%0.67%0.59%+59 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 / Shares97.14%88.36%87.62%82.58%77.56%-1,958 bps
Liquid Assets / Assets11.62%22.44%23.42%24.85%27.93%+1,631 bps