Electra Central
Portland, OR · Charter 62659 · Peer group: credit unions $1B-$10B in assets (n=412)
NCUA · 10 branches
Q3 2024
$1.9BAssets
$1.3BLoans
$1.6BShares
$220.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions $1B-$10B in assets (rank 112 of 412).
- Widest gap: return on equity trails 86% of credit unions $1B-$10B in assets (rank 354 of 412).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |