Tacoma, WA · Charter 9482
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tacoma, WA · Charter 9482
Q2 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.44% | 0.85% | 0.39% | -1.03% | -98 bps | |
| Return on Equity | n/a | 2.76% | 5.01% | 2.32% | -5.90% | n/a | |
| Net Interest Margin | 4.17% | 4.05% | 3.95% | 4.16% | 2.05% | -212 bps | |
| Efficiency Ratio | 73.68% | 71.14% | 78.67% | 75.74% | 135.66% | +6,198 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.31% | -2.25% | -6.82% | -9.35% | -6.18% | -487 bps | |
| Loan Growth (YoY) | 1.58% | -3.93% | -16.37% | -15.92% | -29.33% | -3,091 bps | |
| Share Growth (YoY) | -1.84% | -3.05% | -9.56% | -11.66% | -7.08% | -523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 2.37% | 3.85% | 3.08% | 4.80% | +328 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 1.61% | 1.61% | 2.60% | 1.05% | -38 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 16.07% | 17.03% | 17.04% | 17.53% | n/a | |
| Net Worth / Assets | n/a | 16.07% | 17.03% | 17.04% | 17.53% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.56% | 69.00% | 60.83% | 61.93% | 58.22% | -1,834 bps | |
| Liquid Assets / Assets | 30.65% | 36.87% | 41.91% | 41.57% | 44.40% | +1,376 bps | |