Portland, OR · Charter 62659
NCUA · 10 branches
Q3 2024
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.20% | 0.26% | 0.11% | 0.19% | -4 bps | |
| Return on Equity | 2.10% | 1.80% | 2.35% | 0.98% | 1.60% | -50 bps | |
| Net Interest Margin | 3.08% | 3.17% | 2.93% | 3.21% | 3.32% | +24 bps | |
| Efficiency Ratio | 84.92% | 84.13% | 80.85% | 82.51% | 82.13% | -279 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.44% | -1.30% | -4.15% | -4.96% | -5.32% | -676 bps | |
| Loan Growth (YoY) | -11.80% | -10.63% | -8.47% | -4.87% | -2.32% | +948 bps | |
| Share Growth (YoY) | -0.47% | 1.76% | -1.80% | -2.48% | -2.79% | -232 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.83% | 11.14% | 11.06% | 11.38% | 11.61% | +77 bps | |
| Net Worth / Assets | 10.83% | 11.14% | 11.06% | 11.38% | 11.61% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |