Hood River, OR · Charter 14109
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 | 4.91% | 5.06% | 4.63% | 3.85% | 3.99% | -92 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 | 9.21% | 4.27% | 10.95% | 8.68% | n/a | |
| Loan Growth (YoY) | n/a | 19.96% | 6.44% | -3.28% | -8.84% | n/a | |
| Share Growth (YoY) | n/a | 6.70% | 1.34% | 9.58% | 7.15% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.36% | 1.62% | 2.16% | 1.70% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.95% | 1.50% | 1.23% | 1.39% | +61 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 | 87.70% | 89.02% | 83.99% | 75.98% | 74.62% | -1,309 bps | |
| Liquid Assets / Assets | 23.79% | 22.40% | 26.30% | 32.69% | 34.20% | +1,041 bps | |