Albany, OR · Charter 10662
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Albany, OR · Charter 10662
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | 0.01% | -0.17% | -2.41% | -2.83% | -241 bps | |
| Return on Equity | -4.20% | 0.14% | -1.90% | -29.94% | -37.26% | -3,306 bps | |
| Net Interest Margin | 3.71% | 3.51% | 3.80% | 4.51% | 4.77% | +106 bps | |
| Efficiency Ratio | 105.12% | 95.50% | 95.40% | 97.49% | 112.60% | +749 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.56% | 14.54% | 11.75% | 3.81% | 1.17% | -740 bps | |
| Loan Growth (YoY) | 23.02% | 21.70% | 12.06% | 1.55% | -1.46% | -2,448 bps | |
| Share Growth (YoY) | 8.63% | 17.45% | 16.70% | 6.72% | 5.35% | -328 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 1.33% | 1.38% | 0.93% | 1.06% | +71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.44% | 0.45% | 0.61% | 0.71% | +31 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.00% | 8.97% | 8.95% | 8.05% | 7.58% | -242 bps | |
| Net Worth / Assets | 10.00% | 8.97% | 8.95% | 8.05% | 7.58% | -242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.26% | 86.51% | 87.76% | 87.67% | 89.10% | -616 bps | |
| Liquid Assets / Assets | 8.92% | 16.26% | 14.92% | 15.10% | 12.83% | +391 bps | |