PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union of Puget Sound

Tacoma, WA · Charter 89207

Q2 1997

$30.7MAssets
$17.6MLoans
$28.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.20%, down 39 bps year over year.
  • Asset quality: problem loans at 0.99% of loans (+32 bps YoY).
  • Funding: loans stand at 61.59% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

3.20%-39 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.49%3.98%3.59%3.75%3.79%3.61%3.20%-39 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-10.76%-4.21%-0.64%n/a
Loan Growth (YoY)n/an/an/an/a3.88%7.12%9.78%n/a
Share Growth (YoY)n/an/an/an/a-12.04%-6.60%-1.05%n/a
Asset Quality
Delinquent Loans / Loans0.80%0.64%0.67%1.13%1.47%1.39%0.99%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%1.53%1.20%1.41%1.15%+115 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares48.05%51.94%55.51%55.53%56.74%59.57%61.59%+608 bps
Liquid Assets / Assets30.23%24.56%40.87%24.62%22.59%14.84%20.86%-2,001 bps