Vancouver, WA · Charter 68268
NCUA · 3 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, 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.
Vancouver, WA · Charter 68268
NCUA · 3 branches
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.59% | -0.88% | -1.39% | -1.14% | 1.28% | 0.71% | 0.52% | -0.53% | +61 bps | |
| Return on Equity | -14.99% | -8.52% | -14.36% | -11.46% | 11.61% | 6.77% | 4.85% | -5.44% | +601 bps | |
| Net Interest Margin | 4.12% | 4.05% | 4.10% | 3.98% | 3.61% | 3.36% | 3.35% | 2.53% | -145 bps | |
| Efficiency Ratio | 126.73% | 125.23% | 125.00% | 114.91% | 73.25% | 79.72% | 87.30% | 114.09% | -82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.86% | 13.82% | 6.20% | -7.15% | -3.30% | -3.29% | -3.41% | 13.31% | +2,045 bps | |
| Loan Growth (YoY) | 11.29% | 4.59% | -0.61% | -8.20% | -19.65% | -20.13% | -22.02% | -28.31% | -2,011 bps | |
| Share Growth (YoY) | 10.67% | 13.03% | 8.61% | -6.10% | -3.42% | -3.60% | -4.51% | 13.90% | +2,000 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 0.31% | 0.31% | 0.58% | 0.54% | 0.59% | 1.03% | 0.69% | +10 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 | 1.60% | 0.92% | 0.76% | 1.09% | 1.34% | 1.20% | 0.96% | 0.98% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.63% | 10.37% | 9.65% | 9.97% | 11.01% | 10.54% | 10.77% | 9.70% | -27 bps | |
| Net Worth / Assets | 10.63% | 10.37% | 9.65% | 9.97% | 11.01% | 10.54% | 10.77% | 9.70% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.28% | 69.10% | 67.10% | 68.12% | 62.63% | 57.25% | 54.80% | 42.88% | -2,524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |