PackageTrendsPeer
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Eastside Municipal

Seattle, WA · Charter 89194

Q4 1997

$5.6MAssets
$4.7MLoans
$5.0MShares
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 4.22%, down 19 bps year over year.
  • Asset quality: problem loans at 0.59% of loans (+38 bps YoY).
  • Funding: loans stand at 92.80% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.22%-19 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.41%4.38%4.53%4.23%4.22%-19 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/a4.71%7.19%7.07%11.79%n/a
Loan Growth (YoY)n/a3.78%2.81%-1.02%1.24%n/a
Share Growth (YoY)n/a3.70%8.71%7.59%11.60%n/a
Asset Quality
Delinquent Loans / Loans0.21%0.24%0.16%0.16%0.59%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.45%0.43%0.41%0.37%+37 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 / Shares102.31%98.68%102.87%97.57%92.80%-950 bps
Liquid Assets / Assets5.69%10.72%7.15%10.94%14.94%+925 bps