PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B N West Credit Union

Tacoma, WA · Charter 89206

Q4 1996

$50.7MAssets
$33.8MLoans
$47.2MShares
n/aNet Worth

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.

Return on Assets (YTD, annualized)

4.09%-3 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.43%3.50%3.45%4.11%4.20%4.07%4.10%4.09%-3 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-3.43%-3.93%-4.68%-5.24%n/a
Loan Growth (YoY)n/an/an/an/a16.59%12.65%11.08%7.08%n/a
Share Growth (YoY)n/an/an/an/a-4.72%-2.64%2.31%1.80%n/a
Asset Quality
Delinquent Loans / Loans0.13%0.26%1.04%1.03%0.58%0.80%0.66%1.61%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.29%0.34%0.36%0.38%0.40%0.35%0.35%0.46%+8 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares57.70%61.84%66.20%68.09%70.60%71.55%71.88%71.62%+353 bps
Liquid Assets / Assets6.67%4.50%5.52%12.03%9.06%6.04%7.15%7.60%-443 bps