Coquille, OR · Charter 11504
Q1 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 1.66% | 1.22% | 1.06% | 1.05% | -64 bps | |
| Return on Equity | 17.92% | 18.25% | 13.95% | 12.17% | 12.03% | -589 bps | |
| Net Interest Margin | 4.49% | 4.18% | 3.54% | 3.65% | 4.37% | -13 bps | |
| Efficiency Ratio | 74.62% | 75.13% | 76.02% | 78.66% | 82.18% | +756 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.93% | 14.25% | 34.24% | 39.01% | 38.99% | +2,406 bps | |
| Loan Growth (YoY) | 20.26% | 21.33% | 38.57% | 47.99% | 44.54% | +2,427 bps | |
| Share Growth (YoY) | 14.01% | 13.15% | 34.18% | 39.35% | 38.89% | +2,488 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.34% | 0.51% | 0.47% | 0.55% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.33% | 0.34% | 0.31% | 0.27% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.43% | 9.08% | 8.77% | 8.70% | 8.69% | -74 bps | |
| Net Worth / Assets | 9.43% | 9.08% | 8.77% | 8.70% | 8.69% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.27% | 87.35% | 89.92% | 94.70% | 94.98% | +371 bps | |
| Liquid Assets / Assets | 7.36% | 10.77% | 8.57% | 4.18% | 4.54% | -282 bps | |