PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Westside

Seattle, WA · Charter 89246

Q4 1997

$6.6MAssets
$5.0MLoans
$5.8MShares
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 3.80%, up 76 bps year over year.
  • Asset quality: problem loans at 2.26% of loans (+67 bps YoY).
  • Funding: loans stand at 85.68% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.80%+76 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 Assets3.05%5.07%5.25%3.85%3.80%+76 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/a41.17%39.75%41.90%-0.36%n/a
Loan Growth (YoY)n/a47.14%35.86%35.17%-8.28%n/a
Share Growth (YoY)n/a43.21%43.70%47.20%-1.10%n/a
Asset Quality
Delinquent Loans / Loans1.59%2.70%0.75%1.09%2.26%+67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%1.45%0.92%0.69%1.10%+110 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 / Shares92.39%94.26%93.40%88.59%85.68%-671 bps
Liquid Assets / Assets13.36%18.36%18.10%21.63%23.91%+1,055 bps