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Oregon Central

Portland, OR · Charter 60001

Q4 2005

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: Q4 2005, the quarter ended December 31, 2005, 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

Oregon Central

Portland, OR · Charter 60001

Q4 2005

$225.4MAssets
$133.1MLoans
$200.4MShares
$27.7MNet 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 0.19%, down 62 bps year over year; NIM at 1.20%.
  • Asset quality: problem loans at 0.39% of loans (+4 bps YoY).
  • Capital: net worth / assets of 12.27%, up 174 bps from a year ago.
  • Funding: loans stand at 66.41% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.19%-62 bps YoY

Net Interest Margin (YTD, annualized)

1.20%-195 bps YoY

Efficiency Ratio (YTD, annualized)

86.17%+1,156 bps YoY

Net Worth / Assets

12.27%+174 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.81%0.80%0.80%0.82%0.19%-62 bps
Return on Equity7.71%7.58%7.05%7.05%1.56%-615 bps
Net Interest Margin3.15%3.04%3.30%3.27%1.20%-195 bps
Efficiency Ratio74.61%78.43%79.47%78.78%86.17%+1,156 bps
Growth
Asset Growth (YoY)4.74%7.22%41.98%40.48%31.62%+2,688 bps
Loan Growth (YoY)16.79%9.72%51.08%52.40%39.28%+2,250 bps
Share Growth (YoY)4.08%6.82%40.23%37.81%31.46%+2,738 bps
Asset Quality
Delinquent Loans / Loans0.35%0.31%0.35%0.35%0.39%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.87%0.79%0.52%0.43%0.34%-54 bps
Capital
Risk-Based Capital10.52%10.50%11.33%11.60%12.27%+174 bps
Net Worth / Assets10.52%10.50%11.33%11.60%12.27%+174 bps
Liquidity & Funding
Loans / Shares62.68%61.46%64.16%64.49%66.41%+373 bps
Liquid Assets / Assets10.53%11.93%16.96%18.00%16.98%+645 bps