PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oregon Trail

The Dalles, OR · Charter 12046

Q2 1999

$5.7MAssets
$3.5MLoans
$5.7MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.17%, up 86 bps year over year.
  • Asset quality: problem loans at 2.71% of loans (-178 bps YoY).
  • Funding: loans stand at 60.81% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.17%+86 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.31%3.18%2.42%1.96%3.17%+86 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)25.22%15.66%-1.21%-2.30%-13.01%-3,823 bps
Loan Growth (YoY)-19.91%-15.05%2.53%4.79%-1.80%+1,811 bps
Share Growth (YoY)29.70%21.03%3.50%-1.80%-8.50%-3,820 bps
Asset Quality
Delinquent Loans / Loans4.49%3.85%3.62%3.68%2.71%-178 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%0.56%0.98%1.44%2.57%+182 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares56.66%60.38%65.55%64.39%60.81%+415 bps
Liquid Assets / Assets35.90%33.44%25.76%23.50%29.40%-650 bps