Seattle, WA · Charter 89185
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Seattle, WA · Charter 89185
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.54% | 3.72% | 4.09% | 4.32% | 4.16% | +62 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -5.72% | -3.89% | -6.20% | -7.93% | -11.88% | -616 bps | |
| Loan Growth (YoY) | -12.66% | -18.46% | -2.42% | 12.13% | 12.55% | +2,522 bps | |
| Share Growth (YoY) | -5.91% | -2.27% | -6.19% | -10.44% | -13.62% | -771 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.85% | 0.61% | 0.55% | 0.75% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.12% | 0.89% | 0.77% | 0.84% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.90% | 56.76% | 68.93% | 77.59% | 74.14% | +1,724 bps | |
| Liquid Assets / Assets | 13.00% | 21.79% | 9.49% | 8.98% | 12.89% | -11 bps | |