Portland, OR · Charter 12536
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
Portland, OR · Charter 12536
Q4 1997
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.98% | 4.64% | 5.06% | 4.03% | 3.66% | -32 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) | n/a | -1.55% | 1.86% | -5.51% | -11.25% | n/a | |
| Loan Growth (YoY) | n/a | 26.96% | 25.83% | 9.32% | -9.95% | n/a | |
| Share Growth (YoY) | n/a | -3.61% | -0.42% | -9.40% | -15.28% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.58% | 3.58% | 5.96% | 5.64% | 7.45% | +286 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.18% | 1.24% | 1.03% | 1.07% | -21 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 | 82.45% | 87.66% | 93.23% | 91.45% | 87.64% | +520 bps | |
| Liquid Assets / Assets | 19.27% | 16.26% | 10.34% | 11.03% | 10.09% | -918 bps | |