Lebanon, OR · Charter 10779
NCUA · 4 branches
Q4 2023
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.56% | 1.57% | 1.61% | 1.14% | 1.16% | 0.89% | 0.83% | -77 bps | |
| Return on Equity | 12.21% | 15.77% | 15.47% | 14.85% | 10.51% | 10.43% | 7.90% | 7.14% | -771 bps | |
| Net Interest Margin | 3.65% | 3.94% | 4.20% | 4.63% | 5.64% | 5.57% | 5.75% | 5.99% | +136 bps | |
| Efficiency Ratio | 76.13% | 80.89% | 77.52% | 76.82% | 72.78% | 71.52% | 69.94% | 68.65% | -817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.17% | 2.19% | 5.02% | -0.83% | -2.51% | 1.55% | -1.35% | -1.19% | -36 bps | |
| Loan Growth (YoY) | 1.36% | 15.23% | 19.18% | 33.81% | 32.58% | 26.40% | 21.46% | 3.96% | -2,985 bps | |
| Share Growth (YoY) | 6.40% | 0.64% | 3.73% | -3.26% | -4.31% | 0.36% | -2.62% | -1.80% | +146 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.68% | 0.62% | 0.78% | 0.78% | 0.81% | 0.87% | 1.59% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.02% | 0.97% | 0.71% | 0.00% | 0.00% | 0.00% | 0.00% | -71 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.25% | 9.91% | 10.13% | 10.82% | 10.81% | 11.14% | 11.33% | 11.69% | +87 bps | |
| Net Worth / Assets | 9.25% | 9.91% | 10.13% | 10.82% | 10.81% | 11.14% | 11.33% | 11.69% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.36% | 72.59% | 74.49% | 88.65% | 91.94% | 91.43% | 92.91% | 93.85% | +520 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |