PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I.E.M.

Spokane, WA · Charter 89192

Q4 1996

$1.9MAssets
$1.5MLoans
$1.8MShares
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 3.14%, up 15 bps year over year.
  • Asset quality: problem loans at 5.80% of loans (+400 bps YoY).
  • Funding: loans stand at 82.88% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.14%+15 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 Assets2.99%3.67%3.62%3.40%3.14%+15 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/a9.35%-5.71%n/a
Loan Growth (YoY)n/an/an/a38.91%3.87%n/a
Share Growth (YoY)n/an/an/a7.88%-6.62%n/a
Asset Quality
Delinquent Loans / Loans1.80%1.45%2.49%3.45%5.80%+400 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.28%1.19%0.98%1.15%1.34%+6 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 / Shares74.50%88.13%84.87%82.27%82.88%+837 bps
Liquid Assets / Assets25.56%8.84%10.37%15.89%16.65%-891 bps