Everett, WA · Charter 89226
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.
Everett, WA · Charter 89226
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 | 4.83% | 4.79% | 2.06% | 1.75% | 3.74% | -109 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 | -7.72% | -5.78% | -18.08% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 21.25% | -12.10% | -16.49% | n/a | |
| Share Growth (YoY) | n/a | n/a | -5.53% | -1.18% | -13.63% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.61% | 7.54% | 2.95% | 4.92% | 1.97% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.59% | 2.71% | 0.96% | 0.72% | +4 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 | 91.72% | 95.31% | 91.99% | 77.91% | 88.69% | -303 bps | |
| Liquid Assets / Assets | 5.55% | 7.48% | 0.00% | 17.65% | 6.19% | +64 bps | |