Weston, OR · Charter 13756
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 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.
Weston, OR · Charter 13756
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.07% | 0.05% | 0.04% | 0.16% | +15 bps | |
| Return on Equity | 0.13% | 0.49% | 0.38% | 0.32% | 1.28% | +116 bps | |
| Net Interest Margin | 3.25% | 3.37% | 3.33% | 3.20% | 3.13% | -12 bps | |
| Efficiency Ratio | 96.84% | 93.58% | 94.70% | 95.15% | 86.20% | -1,064 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.03% | -0.79% | 6.53% | 7.99% | 7.69% | +465 bps | |
| Loan Growth (YoY) | -2.14% | -1.05% | -6.94% | -5.53% | -7.37% | -523 bps | |
| Share Growth (YoY) | 3.37% | -1.05% | 7.61% | 9.22% | 8.81% | +543 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 1.61% | 1.64% | 2.37% | 0.03% | -93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 1.62% | 1.19% | 0.91% | 1.01% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.62% | 13.64% | 13.43% | 12.92% | 12.73% | -90 bps | |
| Net Worth / Assets | 13.62% | 13.64% | 13.43% | 12.92% | 12.73% | -90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.36% | 62.53% | 60.61% | 57.75% | 53.09% | -927 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |