Portland, OR · Charter 23116
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Portland, OR · Charter 23116
Q1 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.15% | -1.31% | -1.15% | -1.14% | -0.39% | +77 bps | |
| Return on Equity | -16.41% | -20.50% | -19.44% | -16.81% | -5.59% | +1,082 bps | |
| Net Interest Margin | 3.22% | 3.20% | 3.13% | 3.62% | 3.47% | +24 bps | |
| Efficiency Ratio | 121.78% | 124.17% | 123.35% | 117.17% | 106.07% | -1,571 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.35% | 0.07% | 8.25% | -4.43% | -10.79% | -943 bps | |
| Loan Growth (YoY) | -23.10% | -16.32% | -18.09% | -16.74% | -24.56% | -147 bps | |
| Share Growth (YoY) | -0.64% | 1.33% | 10.16% | -3.62% | -10.65% | -1,001 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 0.43% | 0.51% | 0.82% | 3.17% | +199 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.54% | 0.53% | 0.51% | 0.76% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.04% | 6.40% | 5.92% | 6.76% | 6.93% | -10 bps | |
| Net Worth / Assets | 7.04% | 6.40% | 5.92% | 6.76% | 6.93% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.26% | 44.62% | 40.13% | 44.47% | 41.59% | -767 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |