Portland, OR · Charter 20512
NCUA · 3 branches
Q4 2021
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | -0.31% | -0.15% | 0.04% | -1.63% | -213 bps | |
| Return on Equity | 4.01% | -2.56% | -1.23% | 0.29% | -15.34% | -1,935 bps | |
| Net Interest Margin | 1.65% | 1.03% | 0.95% | 0.94% | 0.89% | -76 bps | |
| Efficiency Ratio | 73.42% | 118.24% | 104.86% | 93.10% | 204% | +13,041 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.40% | 11.82% | 6.95% | 2.91% | 1.52% | -1,088 bps | |
| Loan Growth (YoY) | -15.62% | -16.14% | -16.94% | -20.61% | -23.06% | -743 bps | |
| Share Growth (YoY) | 13.66% | 13.44% | 7.86% | 3.37% | 2.57% | -1,109 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.58% | 1.78% | 1.84% | 2.09% | 2.20% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.44% | 12.30% | 12.38% | 12.55% | 10.63% | -182 bps | |
| Net Worth / Assets | 12.44% | 12.30% | 12.38% | 12.55% | 10.63% | -182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.65% | 24.86% | 23.37% | 21.88% | 19.99% | -666 bps | |
| Liquid Assets / Assets | 99.40% | 99.84% | 0.00% | 99.91% | 99.45% | +5 bps | |