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O A P A

Portland, OR · Charter 11186

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

O A P A

Portland, OR · Charter 11186

Q3 2013

$0KAssets
$0KLoans
$0KShares
$0KNet Worth

Executive Summary

  • Earnings: ROA of -32756.67%, down 3,275,541 bps year over year; NIM at -31728.00%.
  • Capital: net worth / assets of 100.00%, up 8,043 bps from a year ago.

Return on Assets (YTD, annualized)

-32757%-3,275,541 bps YoY

Net Interest Margin (YTD, annualized)

-31728%-3,172,908 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

100.00%+8,043 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-1.44%-1.36%-1.42%-1.26%-1.59%-2.15%-2.44%-32757%-3,275,541 bps
Return on Equity-6.53%-6.04%-6.16%-6.43%-7.58%-9.77%-9.62%-32757%-3,275,023 bps
Net Interest Margin1.26%1.33%1.31%1.08%1.13%0.94%0.97%-31728%-3,172,908 bps
Efficiency Ratio214%202%208%216%240%328%352%n/an/a
Growth
Asset Growth (YoY)-3.17%-5.56%-3.48%9.36%-2.06%-6.07%-17.18%-99.92%-10,928 bps
Loan Growth (YoY)21.75%-23.38%-22.60%-28.78%-40.51%-85.54%-90.17%-100.00%-7,122 bps
Share Growth (YoY)-1.47%-5.30%-2.48%14.25%-0.62%-5.50%-19.67%-100.00%-11,425 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%6.62%6.53%21.66%14.96%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.31%10.29%10.62%11.76%13.98%71.15%108.03%n/an/a
Capital
Risk-Based Capital22.12%22.48%23.00%19.57%20.99%22.05%25.38%100.00%+8,043 bps
Net Worth / Assets22.12%22.48%23.00%19.57%20.99%22.05%25.38%100.00%+8,043 bps
Liquidity & Funding
Loans / Shares23.54%19.71%19.98%14.94%14.09%3.02%2.44%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps