Portland, OR · Charter 61458
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 61458
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.45% | 4.41% | 4.06% | 4.04% | 4.00% | -45 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -9.80% | -1.99% | 3.84% | 0.98% | 6.34% | +1,614 bps | |
| Loan Growth (YoY) | -12.32% | -6.38% | -5.43% | -2.00% | 1.63% | +1,396 bps | |
| Share Growth (YoY) | -13.55% | -5.00% | 2.67% | -0.57% | 6.10% | +1,966 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.81% | 2.42% | 0.58% | 0.92% | 0.00% | -481 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 0.83% | 1.06% | 0.64% | 0.43% | -95 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.73% | 84.95% | 73.27% | 74.23% | 79.24% | -349 bps | |
| Liquid Assets / Assets | 22.74% | 15.21% | 35.59% | 33.35% | 31.95% | +921 bps | |