Portland, OR · Charter 19522
NCUA · 3 branches
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.01% | 0.05% | -0.24% | -1.74% | -1.08% | -1.12% | -3.89% | -365 bps | |
| Return on Equity | -3.95% | -0.07% | 0.42% | -2.27% | -17.37% | -10.35% | -10.60% | -48.53% | -4,625 bps | |
| Net Interest Margin | 2.95% | 3.10% | 3.16% | 3.21% | 3.03% | 3.17% | 3.48% | 3.81% | +60 bps | |
| Efficiency Ratio | 94.27% | 89.87% | 91.56% | 93.80% | 125.16% | 108.72% | 100.80% | 167.30% | +7,350 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | -0.88% | -3.52% | -3.21% | -3.07% | -6.78% | -8.99% | -11.39% | -818 bps | |
| Loan Growth (YoY) | 21.76% | 6.95% | 2.58% | -2.87% | -5.81% | -7.67% | -8.74% | -9.12% | -626 bps | |
| Share Growth (YoY) | -1.19% | -2.77% | -3.40% | -3.11% | -2.05% | -6.54% | -5.82% | -7.27% | -415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.34% | 0.47% | 0.51% | 0.42% | 0.79% | 0.73% | 0.76% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.31% | 10.52% | 10.65% | 10.60% | 10.02% | 10.45% | 10.52% | 8.02% | -258 bps | |
| Net Worth / Assets | 10.31% | 10.52% | 10.65% | 10.60% | 10.02% | 10.45% | 10.52% | 8.02% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.09% | 71.49% | 71.81% | 72.77% | 68.36% | 70.62% | 69.58% | 71.31% | -146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |