Elgin, OR · Charter 22656
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.66% | 3.46% | 3.06% | 2.96% | 2.93% | -74 bps | |
| Efficiency Ratio | 164.48% | 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 / Loans | 4.53% | 11.74% | 6.16% | 8.79% | 9.58% | +505 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.80% | 4.34% | 0.39% | 0.28% | 3.27% | -53 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.75% | 22.08% | 20.00% | 19.16% | 17.27% | -548 bps | |
| Net Worth / Assets | 22.75% | 22.08% | 20.00% | 19.16% | 17.27% | -548 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.89% | 45.24% | 41.20% | 41.69% | 35.21% | -1,469 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |