Klamath Falls, OR · Charter 12053
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.14% | 0.55% | 0.62% | 0.62% | -62 bps | |
| Return on Equity | 11.25% | 10.16% | 5.04% | 5.68% | 5.71% | -554 bps | |
| Net Interest Margin | 3.88% | 3.88% | 3.58% | 3.50% | 3.47% | -42 bps | |
| Efficiency Ratio | 62.10% | 63.03% | 72.27% | 72.60% | 71.54% | +944 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.28% | 11.84% | 10.77% | 10.13% | 7.65% | -463 bps | |
| Loan Growth (YoY) | -5.95% | -5.77% | -3.94% | -1.20% | 1.78% | +774 bps | |
| Share Growth (YoY) | 12.51% | 11.98% | 11.24% | 10.51% | 7.71% | -480 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 1.02% | 1.05% | 0.80% | 0.56% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.57% | 1.57% | 1.35% | 1.32% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.04% | 11.27% | 11.01% | 10.96% | 10.92% | -12 bps | |
| Net Worth / Assets | 11.04% | 11.27% | 11.01% | 10.96% | 10.92% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.22% | 64.79% | 62.15% | 60.44% | 60.68% | -354 bps | |
| Liquid Assets / Assets | 15.26% | 12.80% | 17.09% | 18.57% | 23.09% | +783 bps | |