Portland, OR · Charter 62659
NCUA · 10 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=412). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
39
Profitability
34
Liquidity
59
Efficiency
23
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Portland, OR · Charter 62659
NCUA · 10 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.11% | 0.30% | 0.23% | 0.20% | 0.26% | 0.11% | 0.19% | -4 bps | |
| Return on Equity | 5.18% | 1.10% | 2.81% | 2.10% | 1.80% | 2.35% | 0.98% | 1.60% | -50 bps | |
| Net Interest Margin | 2.85% | 2.88% | 3.02% | 3.08% | 3.17% | 2.93% | 3.21% | 3.32% | +24 bps | |
| Efficiency Ratio | 79.18% | 85.73% | 84.54% | 84.92% | 84.13% | 80.85% | 82.51% | 82.13% | -279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 3.18% | 0.68% | 1.44% | -1.30% | -4.15% | -4.96% | -5.32% | -676 bps | |
| Loan Growth (YoY) | 12.33% | 6.52% | -5.04% | -11.80% | -10.63% | -8.47% | -4.87% | -2.32% | +948 bps | |
| Share Growth (YoY) | -2.15% | 2.12% | -0.58% | -0.47% | 1.76% | -1.80% | -2.48% | -2.79% | -232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.27% | 0.38% | 0.60% | 0.65% | 0.58% | 0.57% | 0.74% | +14 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 | 0.97% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.80% | 10.38% | 10.72% | 10.83% | 11.14% | 11.06% | 11.38% | 11.61% | +77 bps | |
| Net Worth / Assets | 10.80% | 10.38% | 10.72% | 10.83% | 11.14% | 11.06% | 11.38% | 11.61% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.09% | 81.22% | 80.18% | 79.50% | 78.24% | 75.70% | 78.21% | 79.88% | +38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 62659 · Peer group: credit unions $1B-$10B in assets (n=412)
NCUA · 10 branches
Q3 2024
Return on Assets
0.19%
Rank 349 of 412
Net Interest Margin
3.32%
Rank 112 of 412
Efficiency Ratio
82.13%
Rank 318 of 412
Equity / Assets
11.61%
Rank 143 of 412
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.19% | 0.31% | 0.60% | 0.92% | Beats 15% | 349 / 412 | ||
| Return on Equity | 1.60% | 3.02% | 5.68% | 8.26% | Beats 14% | 354 / 412 | ||
| Net Interest Margin | 3.32% | 2.55% | 2.94% | 3.36% | Beats 73% | 112 / 412 | ||
| Efficiency Ratio | 82.13% | 66.97% | 74.29% | 81.67% | Beats 23% | 318 / 412 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.39% | 0.64% | 0.94% | Beats 39% | 253 / 412 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.61% | 9.54% | 10.69% | 12.26% | Beats 65% | 143 / 412 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.61% | 9.54% | 10.69% | 12.26% | Beats 65% | 143 / 412 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.88% | 79.43% | 89.15% | 97.47% | 27th pctl | 299 / 412 | ||
| Loans / Assets | 69.19% | 67.19% | 74.31% | 80.82% | 28th pctl | 296 / 412 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||