Hood River, OR · Charter 18070
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Hood River, OR · Charter 18070
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.56% | 1.25% | 2.92% | -0.41% | -0.12% | -267 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 | 3.62% | 3.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 99.45% | 99.57% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 24.27% | 23.32% | 15.84% | 7.88% | -6.45% | -3,073 bps | |
| Loan Growth (YoY) | 23.48% | -7.94% | -32.36% | -40.52% | -39.59% | -6,307 bps | |
| Share Growth (YoY) | 24.61% | 27.90% | 20.92% | 12.52% | -2.39% | -2,700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.27% | 2.45% | 3.20% | 3.01% | 3.34% | -494 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 2.82% | 2.79% | 3.23% | 3.31% | +207 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 | 68.85% | 52.76% | 44.34% | 43.14% | 42.61% | -2,624 bps | |
| Liquid Assets / Assets | 21.45% | 21.81% | 32.57% | 37.17% | 34.91% | +1,346 bps | |