Spokane, WA · Charter 9790
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Spokane, WA · Charter 9790
Q4 1996
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 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.15% | 4.19% | 4.17% | n/a | 4.23% | +7 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) | 6.79% | 6.16% | 6.69% | 8.88% | 7.32% | +53 bps | |
| Loan Growth (YoY) | -0.28% | 3.71% | 6.09% | 8.60% | 8.62% | +891 bps | |
| Share Growth (YoY) | 4.71% | 5.49% | 5.64% | 4.98% | 6.97% | +225 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.13% | 1.02% | 0.99% | 1.22% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 1.42% | 1.30% | 1.31% | 1.36% | -7 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 | 82.76% | 82.08% | 83.98% | 87.28% | 84.04% | +128 bps | |
| Liquid Assets / Assets | 7.47% | 7.56% | 4.58% | 3.14% | 7.36% | -11 bps | |