Portland, OR · Charter 20298
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.71% | 4.79% | 3.82% | 4.42% | 2.97% | -174 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -4.21% | 4.86% | 4.48% | 4.83% | -1.17% | +304 bps | |
| Loan Growth (YoY) | 2.22% | -6.96% | -1.03% | 1.33% | -7.20% | -942 bps | |
| Share Growth (YoY) | -9.96% | -0.46% | 0.81% | 2.58% | 6.64% | +1,660 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 4.56% | 1.39% | 1.93% | 4.25% | +233 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.75% | 0.82% | 0.79% | 0.88% | +15 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 | 91.95% | 85.38% | 86.27% | 93.46% | 80.02% | -1,193 bps | |
| Liquid Assets / Assets | 20.00% | 30.27% | 22.88% | 18.27% | 23.75% | +375 bps | |