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Spokane Catholic

Spokane, WA · Charter 89247

Q2 1996

$4.2MAssets
$3.3MLoans
$3.6MShares
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 5.15%, up 300 bps year over year.
  • Asset quality: problem loans at 0.33% of loans (-70 bps YoY).
  • Funding: loans stand at 90.61% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

5.15%+300 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.15%4.56%5.71%5.01%5.15%+300 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/an/a10.41%n/an/a
Loan Growth (YoY)n/an/an/an/a6.47%n/an/a
Share Growth (YoY)n/an/an/an/a7.52%n/an/a
Asset Quality
Delinquent Loans / Loans1.03%0.07%0.67%0.69%0.33%-70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.51%0.37%0.50%+50 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 / Shares91.50%96.52%98.82%91.85%90.61%-90 bps
Liquid Assets / Assets15.67%10.70%7.26%16.26%18.79%+313 bps