Portland, OR · Charter 14298
Q4 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.65% | -1.36% | -1.16% | -1.19% | -1.78% | -13 bps | |
| Return on Equity | -9.53% | -8.12% | -6.94% | -7.39% | -11.09% | -157 bps | |
| Net Interest Margin | 2.61% | 2.41% | 2.29% | 2.19% | 2.24% | -37 bps | |
| Efficiency Ratio | 135.72% | 153.41% | 157.90% | 161.50% | 180.48% | +4,476 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.78% | -1.89% | -0.93% | -1.24% | -2.74% | +605 bps | |
| Loan Growth (YoY) | -4.30% | -4.97% | -6.08% | -14.62% | -14.79% | -1,048 bps | |
| Share Growth (YoY) | -6.76% | -0.09% | 0.38% | 0.06% | -1.46% | +529 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.75% | 1.63% | 1.98% | 1.22% | 1.23% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.89% | 0.35% | 0.08% | 0.00% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.34% | 16.73% | 16.68% | 16.12% | 16.05% | -129 bps | |
| Net Worth / Assets | 17.34% | 16.73% | 16.68% | 16.12% | 16.05% | -129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.61% | 40.00% | 38.10% | 35.94% | 36.85% | -576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |