Springfield, OR · Charter 12316
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Springfield, OR · Charter 12316
NCUA · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -0.55% | -0.29% | -0.69% | -2.03% | -1.17% | -1.99% | -2.83% | -215 bps | |
| Return on Equity | -8.86% | -7.33% | -3.85% | -9.39% | -31.31% | -18.05% | -35.84% | -54.90% | -4,550 bps | |
| Net Interest Margin | 4.44% | 4.60% | 4.87% | 5.25% | 5.61% | 5.38% | 5.19% | 5.67% | +42 bps | |
| Efficiency Ratio | 111.56% | 109.20% | 104.66% | 103.19% | 110.38% | 107.47% | 110.86% | 126.08% | +2,289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.48% | -1.34% | -0.97% | -1.34% | -0.61% | 0.23% | 0.11% | -8.29% | -695 bps | |
| Loan Growth (YoY) | 5.72% | -2.05% | 3.85% | 8.94% | 7.57% | -1.86% | -10.27% | -21.17% | -3,012 bps | |
| Share Growth (YoY) | -5.21% | -0.86% | -0.59% | -0.72% | 0.42% | 1.30% | 2.22% | -6.11% | -539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.69% | 3.81% | 2.90% | 0.71% | 0.75% | 1.23% | 5.84% | 6.32% | +560 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.87% | 0.85% | 0.93% | 1.31% | 1.39% | 1.66% | 1.78% | +85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.44% | 7.45% | 7.50% | 7.33% | 6.48% | 6.46% | 5.55% | 5.16% | -217 bps | |
| Net Worth / Assets | 7.44% | 7.45% | 7.50% | 7.33% | 6.48% | 6.46% | 5.55% | 5.16% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.35% | 73.58% | 75.97% | 82.30% | 75.36% | 71.28% | 66.69% | 69.10% | -1,320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |