Portland, OR · Charter 64161
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Portland, OR · Charter 64161
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.32% | 3.42% | 3.67% | 3.42% | -1.64% | -496 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.05% | 6.40% | 7.66% | 11.40% | -3.74% | -168 bps | |
| Loan Growth (YoY) | 18.10% | 13.86% | 6.29% | 9.69% | -7.86% | -2,595 bps | |
| Share Growth (YoY) | -2.26% | 7.07% | 4.90% | 9.84% | -9.56% | -729 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.05% | 1.83% | 1.68% | 6.26% | +618 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.15% | 1.09% | 1.36% | 0.32% | -83 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.34% | 87.22% | 87.39% | 82.27% | 93.05% | +172 bps | |
| Liquid Assets / Assets | 4.34% | 7.99% | 8.82% | 14.03% | 7.11% | +277 bps | |