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Rogue

Medford, OR · Charter 11393

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Rogue

Medford, OR · Charter 11393

Q3 2014

$914.0MAssets
$692.8MLoans
$810.3MShares
$85.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.46%, down 14 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.75% of loans (-74 bps YoY).
  • Capital: net worth / assets of 9.38%, up 73 bps from a year ago.
  • Funding: loans stand at 85.50% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

1.46%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.26%-25 bps YoY

Efficiency Ratio (YTD, annualized)

65.21%+196 bps YoY

Net Worth / Assets

9.38%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets2.54%1.81%1.83%1.61%1.42%1.35%1.36%1.46%-14 bps
Return on Equity32.56%22.10%21.34%18.54%16.06%15.10%14.76%15.60%-294 bps
Net Interest Margin2.75%4.40%4.41%4.51%4.40%4.30%4.25%4.26%-25 bps
Efficiency Ratio45.77%60.07%61.62%63.25%66.03%69.22%68.96%65.21%+196 bps
Growth
Asset Growth (YoY)48.74%44.85%44.18%46.31%6.07%6.13%6.23%7.15%-3,916 bps
Loan Growth (YoY)49.83%44.34%42.68%40.64%2.97%12.44%16.37%22.59%-1,805 bps
Share Growth (YoY)49.12%44.24%43.70%45.49%4.86%5.07%4.76%5.69%-3,979 bps
Asset Quality
Delinquent Loans / Loans2.82%3.00%2.23%1.49%0.90%0.78%0.77%0.75%-74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans7.42%1.23%1.09%1.23%0.99%0.94%0.90%0.86%-37 bps
Capital
Risk-Based Capital7.81%8.19%8.57%8.66%8.87%8.93%9.18%9.38%+73 bps
Net Worth / Assets7.81%8.19%8.57%8.66%8.87%8.93%9.18%9.38%+73 bps
Liquidity & Funding
Loans / Shares80.14%73.04%73.34%73.72%78.69%78.16%81.46%85.50%+1,178 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps