Eugene, OR · Charter 61716
NCUA · 17 branches
Q1 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.14% | 1.01% | 0.54% | 0.51% | 0.62% | 0.77% | 0.82% | +29 bps | |
| Return on Equity | 9.61% | 12.30% | 10.92% | 5.84% | 5.47% | 6.49% | 7.75% | 8.29% | +244 bps | |
| Net Interest Margin | 2.45% | 2.45% | 2.44% | 2.47% | 2.61% | 2.81% | 2.98% | 3.22% | +75 bps | |
| Efficiency Ratio | 73.58% | 70.11% | 72.80% | 79.89% | 82.11% | 78.21% | 74.55% | 71.57% | -832 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.08% | 23.93% | 17.70% | 11.53% | 6.77% | 3.82% | 1.30% | 0.53% | -1,099 bps | |
| Loan Growth (YoY) | 12.65% | 17.34% | 18.82% | 18.87% | 19.58% | 20.55% | 22.03% | 24.37% | +550 bps | |
| Share Growth (YoY) | 27.41% | 25.55% | 18.70% | 11.94% | 7.27% | 4.30% | -2.79% | -3.79% | -1,573 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.15% | 0.18% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.52% | 0.46% | 0.45% | 0.40% | 0.42% | 0.43% | 0.00% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 9.30% | 9.27% | 9.16% | 9.38% | 9.59% | 9.92% | 9.90% | +74 bps | |
| Net Worth / Assets | 9.12% | 9.30% | 9.27% | 9.16% | 9.38% | 9.59% | 9.92% | 9.90% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.36% | 70.63% | 72.87% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |