PackageTrendsPeer
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Pacific

Seattle, WA · Charter 89220

Q4 1997

$3.6MAssets
$2.5MLoans
$3.1MShares
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%, down 23 bps year over year.
  • Asset quality: problem loans at 1.40% of loans (+105 bps YoY).
  • Funding: loans stand at 79.83% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.04%-23 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.27%4.14%4.35%3.98%4.04%-23 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/a9.26%4.27%15.98%16.15%n/a
Loan Growth (YoY)n/a11.92%0.16%-5.57%-2.66%n/a
Share Growth (YoY)n/a9.69%4.28%17.76%17.80%n/a
Asset Quality
Delinquent Loans / Loans0.35%0.72%1.18%0.70%1.40%+105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%1.54%1.37%1.06%0.70%+70 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 / Shares96.60%90.54%94.28%84.43%79.83%-1,678 bps
Liquid Assets / Assets10.84%19.68%16.90%23.80%27.91%+1,707 bps