PackageTrendsPeer
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Twin Harbors

Cosmopolis, WA · Charter 89189

Q2 1997

$48.5MAssets
$30.5MLoans
$43.5MShares
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 4.01%, down 59 bps year over year.
  • Asset quality: problem loans at 1.46% of loans (+36 bps YoY).
  • Funding: loans stand at 70.14% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.01%-59 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.59%4.69%4.52%4.28%4.01%-59 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/a13.06%12.59%16.43%n/a
Loan Growth (YoY)n/an/a13.38%-1.89%-4.90%n/a
Share Growth (YoY)n/an/a12.12%12.80%17.48%n/a
Asset Quality
Delinquent Loans / Loans1.10%0.54%1.17%2.18%1.46%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.59%0.99%0.79%+79 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 / Shares86.65%80.63%74.92%72.12%70.14%-1,650 bps
Liquid Assets / Assets11.22%17.50%22.75%26.38%25.73%+1,452 bps