PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B N West Credit Union

Tacoma, WA · Charter 89206

Q4 1996

$50.7MAssets
$33.8MLoans
$47.2MShares
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 4.09%, down 3 bps year over year.
  • Asset quality: problem loans at 1.61% of loans (+59 bps YoY).
  • Funding: loans stand at 71.62% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.09%-3 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1995Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.11%4.20%4.07%4.10%4.09%-3 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/a-3.43%-3.93%-4.68%-5.24%n/a
Loan Growth (YoY)n/a16.59%12.65%11.08%7.08%n/a
Share Growth (YoY)n/a-4.72%-2.64%2.31%1.80%n/a
Asset Quality
Delinquent Loans / Loans1.03%0.58%0.80%0.66%1.61%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.40%0.35%0.35%0.46%+8 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 / Shares68.09%70.60%71.55%71.88%71.62%+353 bps
Liquid Assets / Assets12.03%9.06%6.04%7.15%7.60%-443 bps