Eugene, OR · Charter 61716
NCUA · 17 branches
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 2023, 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 61716
NCUA · 17 branches
Q1 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.51% | 0.62% | 0.77% | 0.82% | +29 bps | |
| Return on Equity | 5.84% | 5.47% | 6.49% | 7.75% | 8.29% | +244 bps | |
| Net Interest Margin | 2.47% | 2.61% | 2.81% | 2.98% | 3.22% | +75 bps | |
| Efficiency Ratio | 79.89% | 82.11% | 78.21% | 74.55% | 71.57% | -832 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.53% | 6.77% | 3.82% | 1.30% | 0.53% | -1,099 bps | |
| Loan Growth (YoY) | 18.87% | 19.58% | 20.55% | 22.03% | 24.37% | +550 bps | |
| Share Growth (YoY) | 11.94% | 7.27% | 4.30% | -2.79% | -3.79% | -1,573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.24% | 0.24% | 0.32% | 0.28% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.40% | 0.42% | 0.43% | 0.00% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.16% | 9.38% | 9.59% | 9.92% | 9.90% | +74 bps | |
| Net Worth / Assets | 9.16% | 9.38% | 9.59% | 9.92% | 9.90% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.56% | 76.20% | 81.64% | 91.48% | 92.51% | +2,094 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |