PackageTrendsPeer
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United Sound Community

Poulsbo, WA · Charter 89242

Q4 1996

$6.9MAssets
$5.8MLoans
$6.3MShares
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 3.65%, down 23 bps year over year.
  • Asset quality: problem loans at 0.88% of loans (+36 bps YoY).
  • Funding: loans stand at 92.47% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.65%-23 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.88%3.51%3.38%3.44%3.65%-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/an/an/a-9.04%-3.10%n/a
Loan Growth (YoY)n/an/an/a12.56%14.52%n/a
Share Growth (YoY)n/an/an/a-11.12%-5.05%n/a
Asset Quality
Delinquent Loans / Loans0.52%0.22%0.54%0.46%0.88%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.84%0.99%1.18%1.14%+52 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 / Shares76.66%75.84%92.07%94.60%92.47%+1,581 bps
Liquid Assets / Assets23.44%26.05%10.19%7.95%10.20%-1,324 bps