Toledo, OR · Charter 13494
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -1.10% | -1.22% | -1.00% | -1.01% | -1.28% | -1.42% | -4.14% | -314 bps | |
| Return on Equity | -12.32% | -13.89% | -16.34% | -14.62% | -14.85% | -20.15% | -22.02% | -80.31% | -6,569 bps | |
| Net Interest Margin | 2.45% | 2.47% | 2.45% | 2.30% | 2.38% | 2.41% | 2.61% | 2.49% | +19 bps | |
| Efficiency Ratio | 125.13% | 128.13% | 131.52% | 127.93% | 127.39% | 134.22% | 135.28% | 182.97% | +5,505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.05% | -2.71% | 1.31% | 6.75% | 2.64% | 2.66% | -5.33% | -6.46% | -1,321 bps | |
| Loan Growth (YoY) | -10.59% | -2.67% | -3.30% | -10.52% | -12.60% | -15.59% | -5.77% | -8.53% | +200 bps | |
| Share Growth (YoY) | -1.90% | -1.59% | 3.03% | 8.77% | 4.20% | 4.31% | -4.38% | -5.01% | -1,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.51% | 0.78% | 0.02% | 0.73% | 0.00% | 1.28% | 1.89% | +187 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 | 1.00% | 0.99% | 1.07% | 1.12% | 1.18% | 1.20% | 1.16% | 1.27% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.24% | 7.90% | 7.44% | 6.82% | 6.82% | 6.35% | 6.44% | 5.15% | -166 bps | |
| Net Worth / Assets | 8.24% | 7.90% | 7.44% | 6.82% | 6.82% | 6.35% | 6.44% | 5.15% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.65% | 52.55% | 48.47% | 43.77% | 43.33% | 42.52% | 47.76% | 42.14% | -162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |