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Northeast Oregon

Elgin, OR · Charter 22656

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northeast Oregon

Elgin, OR · Charter 22656

Q3 2013

$269KAssets
$78KLoans
$221KShares
$46KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -5.95%, down 274 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 9.58% of loans (+505 bps YoY).
  • Capital: net worth / assets of 17.27%, down 548 bps from a year ago.
  • Funding: loans stand at 35.21% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-5.95%-274 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-74 bps YoY

Efficiency Ratio (YTD, annualized)

258%+9,363 bps YoY

Net Worth / Assets

17.27%-548 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-3.21%-3.51%-2.85%-2.78%-5.95%-274 bps
Return on Equity-14.11%-15.88%-14.25%-14.50%-34.48%-2,036 bps
Net Interest Margin3.66%3.46%3.06%2.96%2.93%-74 bps
Efficiency Ratio164.48%177.04%168.91%173.19%258%+9,363 bps
Growth
Asset Growth (YoY)-23.44%-18.33%-12.53%-10.40%-0.12%+2,332 bps
Loan Growth (YoY)-43.89%-43.51%-29.87%-18.13%-24.49%+1,940 bps
Share Growth (YoY)-26.83%-19.83%-11.90%-9.60%7.02%+3,385 bps
Asset Quality
Delinquent Loans / Loans4.53%11.74%6.16%8.79%9.58%+505 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.80%4.34%0.39%0.28%3.27%-53 bps
Capital
Risk-Based Capital22.75%22.08%20.00%19.16%17.27%-548 bps
Net Worth / Assets22.75%22.08%20.00%19.16%17.27%-548 bps
Liquidity & Funding
Loans / Shares49.89%45.24%41.20%41.69%35.21%-1,469 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps