Portland, OR · Charter 62659
NCUA · 10 branches
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |