PackageTrendsPeer
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Olympia

Olympia, WA · Charter 89215

Q2 1997

$15.3MAssets
$11.8MLoans
$14.5MShares
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 4.04%, up 6 bps year over year.
  • Asset quality: problem loans at 0.16% of loans (+14 bps YoY).
  • Funding: loans stand at 81.86% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.04%+6 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.98%3.48%3.32%3.47%4.04%+6 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/an/a27.66%33.38%35.02%n/a
Loan Growth (YoY)n/an/a32.86%37.21%30.46%n/a
Share Growth (YoY)n/an/a29.01%35.96%36.05%n/a
Asset Quality
Delinquent Loans / Loans0.02%0.13%0.07%0.00%0.16%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.02%0.14%0.08%0.12%0.24%+22 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 / Shares85.37%83.07%85.67%87.54%81.86%-351 bps
Liquid Assets / Assets9.70%5.15%5.95%5.76%12.18%+247 bps