Beaverton, OR · Charter 68281
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Beaverton, OR · Charter 68281
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 1.17% | 1.07% | 0.48% | 0.47% | -104 bps | |
| Return on Equity | 17.47% | 13.91% | 12.48% | 5.64% | 5.60% | -1,187 bps | |
| Net Interest Margin | 2.90% | 2.78% | 2.77% | 2.61% | 2.50% | -41 bps | |
| Efficiency Ratio | 54.60% | 59.14% | 61.11% | 72.83% | 72.52% | +1,792 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.46% | 12.63% | 14.57% | 8.33% | 11.93% | -53 bps | |
| Loan Growth (YoY) | -2.14% | -4.18% | -4.24% | -2.02% | 1.62% | +376 bps | |
| Share Growth (YoY) | 17.68% | 16.14% | 17.52% | 14.26% | 17.12% | -56 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 1.12% | 1.09% | 0.96% | 1.25% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.07% | 1.04% | 1.08% | 0.98% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.63% | 8.41% | 8.56% | 8.46% | 8.40% | -24 bps | |
| Net Worth / Assets | 8.63% | 8.41% | 8.56% | 8.46% | 8.40% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.46% | 64.84% | 64.29% | 60.61% | 59.40% | -906 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |