Bellevue, WA · Charter 95799
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Bellevue, WA · Charter 95799
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.49% | 5.94% | 2.19% | 4.20% | 3.94% | -155 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -0.08% | 2.33% | 0.52% | -5.92% | -15.01% | -1,492 bps | |
| Loan Growth (YoY) | -16.63% | -19.68% | -16.80% | -15.32% | -18.28% | -165 bps | |
| Share Growth (YoY) | -1.36% | 2.20% | -1.43% | -7.61% | -17.14% | -1,578 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 2.91% | 2.58% | 2.79% | 2.21% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 1.72% | 1.47% | 1.41% | 0.85% | -129 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.67% | 78.11% | 85.82% | 79.82% | 73.64% | -103 bps | |
| Liquid Assets / Assets | 27.75% | 9.48% | 3.52% | 5.58% | 21.97% | -578 bps | |