PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Employment Security

Olympia, WA · Charter 96083

Q4 1996

$17.3MAssets
$13.1MLoans
$15.5MShares
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 4.15%, down 9 bps year over year.
  • Asset quality: problem loans at 1.39% of loans (+38 bps YoY).
  • Funding: loans stand at 84.12% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.15%-9 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.24%4.17%4.27%4.13%4.15%-9 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/a5.89%9.85%n/a
Loan Growth (YoY)n/an/an/a3.96%0.59%n/a
Share Growth (YoY)n/an/an/a6.87%8.52%n/a
Asset Quality
Delinquent Loans / Loans1.01%1.50%1.10%2.32%1.39%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.46%0.27%0.78%0.69%+16 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 / Shares90.75%95.17%91.32%79.35%84.12%-663 bps
Liquid Assets / Assets0.79%0.00%5.12%16.09%11.38%+1,059 bps