Portland, OR · Charter 21918
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | -1.36% | -0.63% | -3.95% | -3.62% | -448 bps | |
| Return on Equity | 6.90% | -10.83% | -5.00% | -33.18% | -28.82% | -3,572 bps | |
| Net Interest Margin | 5.49% | 5.51% | 5.36% | 6.03% | 6.42% | +93 bps | |
| Efficiency Ratio | 74.42% | 93.65% | 96.01% | 94.25% | 100.28% | +2,586 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.66% | -0.68% | 5.90% | -14.69% | -22.50% | -2,616 bps | |
| Loan Growth (YoY) | -3.65% | -2.89% | -2.05% | -10.65% | -13.56% | -991 bps | |
| Share Growth (YoY) | 3.13% | -1.07% | 6.97% | -14.16% | -23.00% | -2,612 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 2.92% | 3.35% | 1.37% | 5.61% | +412 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.05% | 0.90% | 1.99% | 2.10% | +100 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.54% | 12.52% | 12.63% | 11.89% | 12.56% | +2 bps | |
| Net Worth / Assets | 12.54% | 12.52% | 12.63% | 11.89% | 12.56% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.71% | 98.51% | 96.89% | 101.41% | 106.31% | +1,160 bps | |
| Liquid Assets / Assets | 14.77% | 11.50% | 0.00% | 0.00% | 0.00% | -1,477 bps | |