PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington State Bar Assocation

Seattle, WA · Charter 96758

Q4 1997

$3.1MAssets
$2.7MLoans
$2.9MShares
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 3.84%, down 66 bps year over year.
  • Asset quality: problem loans at 1.28% of loans (+76 bps YoY).
  • Funding: loans stand at 92.78% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.84%-66 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.50%4.96%4.77%4.00%3.84%-66 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/a-1.19%0.12%15.56%17.33%n/a
Loan Growth (YoY)n/a12.49%-1.01%9.45%7.44%n/a
Share Growth (YoY)n/a-3.62%1.72%22.17%24.49%n/a
Asset Quality
Delinquent Loans / Loans0.51%0.89%1.51%0.50%1.28%+76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.82%0.68%0.52%0.76%+76 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 / Shares107.51%98.46%97.46%96.35%92.78%-1,473 bps
Liquid Assets / Assets5.62%9.96%11.06%11.13%13.87%+825 bps