Portland, OR · Charter 20512
NCUA · 3 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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 20512
NCUA · 3 branches
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.57% | 0.77% | 0.50% | -0.31% | -0.15% | 0.04% | -1.63% | -213 bps | |
| Return on Equity | 6.48% | 4.35% | 5.93% | 4.01% | -2.56% | -1.23% | 0.29% | -15.34% | -1,935 bps | |
| Net Interest Margin | 2.44% | 2.08% | 1.86% | 1.65% | 1.03% | 0.95% | 0.94% | 0.89% | -76 bps | |
| Efficiency Ratio | 65.01% | 72.23% | 65.95% | 73.42% | 118.24% | 104.86% | 93.10% | 204% | +13,041 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | 4.71% | 10.12% | 12.40% | 11.82% | 6.95% | 2.91% | 1.52% | -1,088 bps | |
| Loan Growth (YoY) | -7.29% | -11.66% | -14.38% | -15.62% | -16.14% | -16.94% | -20.61% | -23.06% | -743 bps | |
| Share Growth (YoY) | -0.83% | 4.43% | 10.69% | 13.66% | 13.44% | 7.86% | 3.37% | 2.57% | -1,109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.18% | 0.03% | 0.02% | 0.00% | 0.01% | 0.00% | 0.00% | -2 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 | 1.16% | 1.33% | 1.46% | 1.58% | 1.78% | 1.84% | 2.09% | 2.20% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.51% | 13.07% | 12.94% | 12.44% | 12.30% | 12.38% | 12.55% | 10.63% | -182 bps | |
| Net Worth / Assets | 13.51% | 13.07% | 12.94% | 12.44% | 12.30% | 12.38% | 12.55% | 10.63% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.64% | 30.35% | 28.49% | 26.65% | 24.86% | 23.37% | 21.88% | 19.99% | -666 bps | |
| Liquid Assets / Assets | 99.60% | 98.65% | 99.22% | 99.40% | 99.84% | 0.00% | 99.91% | 99.45% | +5 bps | |