PackageTrendsPeer
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Wcla

Olympia, WA · Charter 95754

Q2 1997

$11.6MAssets
$10.6MLoans
$10.5MShares
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 3.61%, down 117 bps year over year.
  • Asset quality: problem loans at 3.45% of loans (-1,186 bps YoY).
  • Funding: loans stand at 100.67% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.61%-117 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.77%4.51%6.40%5.70%3.61%-117 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/a36.02%40.69%36.39%n/a
Loan Growth (YoY)n/an/a191.05%208%155.68%n/a
Share Growth (YoY)n/an/a35.26%42.32%53.22%n/a
Asset Quality
Delinquent Loans / Loans15.31%0.63%1.86%0.41%3.45%-1,186 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.69%1.18%0.93%1.49%2.07%+38 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 / Shares60.33%57.78%83.62%95.82%100.67%+4,034 bps
Liquid Assets / Assets17.26%25.38%18.06%9.39%6.54%-1,072 bps