PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

CU NW

Seattle, WA · Charter 89234

Q2 1997

$14.7MAssets
$12.7MLoans
$13.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.39%, down 22 bps year over year.
  • Asset quality: problem loans at 0.37% of loans (+12 bps YoY).
  • Funding: loans stand at 97.24% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

4.39%-22 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.67%4.75%4.61%4.69%4.66%4.79%4.39%-22 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/a17.41%26.85%7.16%n/a
Loan Growth (YoY)n/an/an/an/a30.67%28.27%17.99%n/a
Share Growth (YoY)n/an/an/an/a14.57%24.81%5.54%n/a
Asset Quality
Delinquent Loans / Loans0.14%0.24%0.24%0.20%0.26%0.36%0.37%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans0.60%0.58%0.65%0.55%0.55%0.38%0.28%-37 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 / Shares80.50%84.67%86.99%90.07%91.81%87.01%97.24%+1,026 bps
Liquid Assets / Assets19.57%15.09%15.10%13.47%10.68%13.82%8.46%-664 bps