PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cowlitz Public Employees CU

Longview, WA · Charter 89243

Q4 1996

$21.4MAssets
$9.2MLoans
$20.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.19%, up 24 bps year over year.
  • Asset quality: problem loans at 7.97% of loans (+726 bps YoY).
  • Funding: loans stand at 46.06% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

3.19%+24 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 1996YoY ΔTrend
Earnings
Return on Assets2.74%2.94%3.72%3.51%2.62%3.19%+24 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-9.79%-9.44%n/a
Loan Growth (YoY)n/an/an/an/a7.33%16.98%n/a
Share Growth (YoY)n/an/an/an/a-10.54%-10.38%n/a
Asset Quality
Delinquent Loans / Loans0.78%0.71%0.24%0.93%0.69%7.97%+726 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%1.20%1.05%+105 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares34.20%35.29%40.14%39.49%41.03%46.06%+1,077 bps
Liquid Assets / Assets55.37%58.02%53.61%53.86%48.75%45.99%-1,204 bps