Spokane, WA · Charter 89211
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Spokane, WA · Charter 89211
Q2 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.57% | 3.80% | 4.43% | 4.19% | 3.67% | +11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 1.93% | 1.05% | 3.68% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 16.68% | -1.50% | -13.57% | n/a | |
| Share Growth (YoY) | n/a | n/a | -3.28% | -1.23% | 4.36% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 0.20% | 0.62% | 1.99% | 1.80% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.29% | +129 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.84% | 91.31% | 93.64% | 85.13% | 77.72% | -1,612 bps | |
| Liquid Assets / Assets | 14.88% | 16.10% | 14.19% | 19.93% | 27.14% | +1,225 bps | |