Portland, OR · Charter 2311
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.05% | 0.58% | 1.04% | 1.03% | -0.41% | -446 bps | |
| Return on Equity | n/a | n/a | n/a | 5.22% | -2.21% | n/a | |
| Net Interest Margin | n/a | 4.86% | 5.11% | 5.24% | 5.03% | n/a | |
| Efficiency Ratio | n/a | 78.29% | 73.62% | 76.04% | 85.79% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 24.90% | 17.95% | 16.63% | 3.36% | 4.85% | -2,005 bps | |
| Loan Growth (YoY) | 2.87% | 7.36% | 14.49% | 7.86% | 6.90% | +403 bps | |
| Share Growth (YoY) | 29.61% | 20.51% | 17.58% | 2.28% | 3.94% | -2,566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 0.33% | 0.44% | 0.78% | 7.81% | +657 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 1.50% | 1.54% | 1.67% | 2.10% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 19.76% | 18.45% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 19.76% | 18.45% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.40% | 83.64% | 90.48% | 88.84% | 81.67% | +226 bps | |
| Liquid Assets / Assets | 28.11% | 25.20% | 20.13% | 22.48% | 27.19% | -92 bps | |