PackageTrendsPeer
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Teamsters

Seattle, WA · Charter 89185

Q2 1998

$11.9MAssets
$8.3MLoans
$11.2MShares
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 4.16%, up 62 bps year over year.
  • Asset quality: problem loans at 0.75% of loans (-12 bps YoY).
  • Funding: loans stand at 74.14% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

4.16%+62 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.54%3.72%4.09%4.32%4.16%+62 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)-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 / Loans0.87%0.85%0.61%0.55%0.75%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.04%1.12%0.89%0.77%0.84%-20 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 / Shares56.90%56.76%68.93%77.59%74.14%+1,724 bps
Liquid Assets / Assets13.00%21.79%9.49%8.98%12.89%-11 bps