Salem, OR · Charter 21195
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Salem, OR · Charter 21195
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.25% | 0.09% | 0.06% | 0.42% | +13 bps | |
| Return on Equity | 2.45% | 1.94% | 0.91% | 0.46% | 3.31% | +86 bps | |
| Net Interest Margin | 4.62% | 4.86% | 3.80% | 4.75% | 5.23% | +61 bps | |
| Efficiency Ratio | 95.45% | 97.74% | 98.48% | 99.18% | 94.23% | -122 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.86% | -4.39% | 20.76% | -0.68% | -2.67% | +218 bps | |
| Loan Growth (YoY) | -0.05% | -1.12% | -6.63% | 4.55% | 9.76% | +981 bps | |
| Share Growth (YoY) | -5.73% | -5.17% | 23.33% | -1.02% | -3.57% | +217 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.74% | 2.99% | 2.11% | 1.39% | +126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.36% | 0.36% | 0.17% | 0.15% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.04% | 12.78% | 9.76% | 12.11% | 12.70% | +66 bps | |
| Net Worth / Assets | 12.04% | 12.78% | 9.76% | 12.11% | 12.70% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.53% | 86.92% | 63.75% | 90.30% | 100.77% | +1,224 bps | |
| Liquid Assets / Assets | 19.47% | 11.18% | 40.58% | 18.54% | 10.24% | -924 bps | |