Portland, OR · Charter 14196
NCUA · 3 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
48
Profitability
52
Liquidity
0
Efficiency
77
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Portland, OR · Charter 14196
NCUA · 3 branches
Q3 2024
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 1.00% | 0.94% | 1.02% | 1.00% | +9 bps | |
| Return on Equity | 6.59% | 6.99% | 6.80% | 7.22% | 6.99% | +40 bps | |
| Net Interest Margin | 2.76% | 2.88% | 3.05% | 3.17% | 3.19% | +42 bps | |
| Efficiency Ratio | 66.19% | 64.93% | 68.30% | 67.18% | 68.10% | +191 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.08% | -1.66% | 2.88% | 3.61% | 4.08% | +817 bps | |
| Loan Growth (YoY) | 17.61% | 10.56% | 7.46% | 4.60% | 5.38% | -1,223 bps | |
| Share Growth (YoY) | -5.58% | -3.04% | 2.11% | 2.89% | 3.47% | +905 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.33% | 0.25% | 0.69% | 0.68% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.80% | 14.24% | 13.82% | 14.13% | 14.28% | +48 bps | |
| Net Worth / Assets | 13.80% | 14.24% | 13.82% | 14.13% | 14.28% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.27% | 36.98% | 35.11% | 35.18% | 37.96% | +69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 14196 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 3 branches
Q3 2024
Return on Assets
1.00%
Rank 601 of 1,761
Net Interest Margin
3.19%
Rank 1,207 of 1,761
Efficiency Ratio
68.09%
Rank 400 of 1,754
Equity / Assets
14.28%
Rank 609 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 0.26% | 0.70% | 1.22% | Beats 66% | 601 / 1,761 | |
| Return on Equity | 6.98% | 2.09% | 5.52% | 9.08% | Beats 60% | 702 / 1,761 | |
| Net Interest Margin | 3.19% | 3.03% | 3.59% | 4.25% | Beats 31% | 1,207 / 1,761 | |
| Efficiency Ratio | 68.09% | 68.95% | 77.94% | 87.14% | Beats 77% | 400 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.27% | Beats 48% | 917 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.28% | 10.05% | 12.42% | 15.87% | Beats 65% | 610 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.28% | 10.05% | 12.42% | 15.87% | Beats 65% | 609 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.96% | 56.21% | 73.13% | 85.64% | 8th pctl | 1,620 / 1,759 | |
| Loans / Assets | 32.46% | 47.85% | 62.48% | 73.19% | 8th pctl | 1,612 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||