Portland, OR · Charter 11186
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Portland, OR · Charter 11186
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.26% | -1.59% | -2.15% | -2.44% | -32757% | -3,275,541 bps | |
| Return on Equity | -6.43% | -7.58% | -9.77% | -9.62% | -32757% | -3,275,023 bps | |
| Net Interest Margin | 1.08% | 1.13% | 0.94% | 0.97% | -31728% | -3,172,908 bps | |
| Efficiency Ratio | 216% | 240% | 328% | 352% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.36% | -2.06% | -6.07% | -17.18% | -99.92% | -10,928 bps | |
| Loan Growth (YoY) | -28.78% | -40.51% | -85.54% | -90.17% | -100.00% | -7,122 bps | |
| Share Growth (YoY) | 14.25% | -0.62% | -5.50% | -19.67% | -100.00% | -11,425 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.62% | 6.53% | 21.66% | 14.96% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.76% | 13.98% | 71.15% | 108.03% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 19.57% | 20.99% | 22.05% | 25.38% | 100.00% | +8,043 bps | |
| Net Worth / Assets | 19.57% | 20.99% | 22.05% | 25.38% | 100.00% | +8,043 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.94% | 14.09% | 3.02% | 2.44% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |