Portland, OR · Charter 14229
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Portland, OR · Charter 14229
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.59% | -0.35% | 0.14% | 0.17% | +69 bps | |
| Return on Equity | -5.75% | -6.67% | -3.82% | 1.65% | 1.89% | +763 bps | |
| Net Interest Margin | 3.31% | 3.26% | 3.43% | 3.17% | 3.10% | -21 bps | |
| Efficiency Ratio | 112.40% | 114.50% | 107.94% | 96.21% | 95.49% | -1,691 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.45% | 3.76% | 2.77% | 5.57% | 1.03% | -442 bps | |
| Loan Growth (YoY) | -16.95% | -14.63% | -10.76% | -7.96% | -8.44% | +852 bps | |
| Share Growth (YoY) | 7.22% | 4.95% | 3.66% | 6.37% | 0.93% | -629 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.41% | 0.49% | 2.59% | 2.55% | +179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.63% | 2.29% | 2.30% | 2.31% | 2.34% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.07% | 8.79% | 9.21% | 8.76% | 8.98% | -9 bps | |
| Net Worth / Assets | 9.07% | 8.79% | 9.21% | 8.76% | 8.98% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.61% | 44.64% | 46.14% | 41.96% | 41.38% | -423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |