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 | |