Corvallis, OR · Charter 11987
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Corvallis, OR · Charter 11987
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -0.60% | 0.01% | 0.28% | 0.42% | +51 bps | |
| Return on Equity | -1.11% | -7.12% | 0.10% | 3.25% | 4.36% | +547 bps | |
| Net Interest Margin | 2.81% | 3.15% | 3.43% | 3.34% | 3.67% | +86 bps | |
| Efficiency Ratio | 97.52% | 81.58% | 87.72% | 87.51% | 86.23% | -1,129 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.93% | -2.63% | -5.37% | -2.35% | -9.04% | -711 bps | |
| Loan Growth (YoY) | -0.37% | 0.07% | -0.69% | -6.35% | -9.17% | -879 bps | |
| Share Growth (YoY) | -1.96% | -2.59% | -5.78% | -2.98% | -10.32% | -837 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.53% | 0.42% | 0.57% | 0.63% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.32% | 0.31% | 0.33% | 0.35% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.33% | 8.47% | 8.81% | 8.68% | 9.58% | +125 bps | |
| Net Worth / Assets | 8.33% | 8.47% | 8.81% | 8.68% | 9.58% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.34% | 65.46% | 66.94% | 61.13% | 63.15% | +80 bps | |
| Liquid Assets / Assets | 34.03% | 34.08% | 32.37% | 41.94% | 40.30% | +627 bps | |