Hermiston, OR · Charter 12140
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Hermiston, OR · Charter 12140
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.36% | 3.88% | 3.92% | 4.22% | 4.04% | +68 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 14.09% | 22.10% | 17.26% | 24.78% | 29.97% | +1,588 bps | |
| Loan Growth (YoY) | 9.49% | 19.55% | 9.41% | 17.82% | 24.05% | +1,456 bps | |
| Share Growth (YoY) | 13.31% | 22.75% | 16.99% | 26.37% | 31.48% | +1,817 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.41% | 1.31% | 1.58% | 1.22% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.82% | 1.07% | 1.06% | 0.93% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.57% | 84.90% | 73.13% | 78.22% | 65.64% | -393 bps | |
| Liquid Assets / Assets | 20.66% | 5.73% | 17.23% | 23.49% | 34.07% | +1,341 bps | |