Eugene, OR · Charter 60464
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Eugene, OR · Charter 60464
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.43% | 3.12% | -0.09% | 0.03% | -0.98% | -441 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -13.24% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.27% | 4.40% | 4.69% | n/a | |
| Efficiency Ratio | n/a | n/a | 100.86% | 97.79% | 107.29% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 7.00% | -3.32% | 0.47% | -6.85% | -12.72% | -1,972 bps | |
| Loan Growth (YoY) | -6.19% | -11.31% | -13.94% | -10.00% | -0.35% | +584 bps | |
| Share Growth (YoY) | 6.28% | -4.71% | -2.95% | -9.74% | -11.76% | -1,804 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 2.72% | 3.08% | 2.73% | 3.02% | +186 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.65% | 0.64% | 0.56% | 0.63% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 7.41% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 7.41% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.92% | 79.24% | 74.31% | 79.67% | 85.73% | +982 bps | |
| Liquid Assets / Assets | 21.65% | 18.73% | 14.09% | 6.31% | 13.58% | -807 bps | |