Hood River, OR · Charter 68352
NCUA · 1 branch
Q4 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.09% | 0.87% | 1.04% | -0.52% | -186 bps | |
| Return on Equity | 9.49% | 7.70% | 6.65% | 7.97% | -4.58% | -1,407 bps | |
| Net Interest Margin | 2.93% | 2.72% | 2.35% | 2.23% | 2.12% | -82 bps | |
| Efficiency Ratio | 59.21% | 66.24% | 67.16% | 63.06% | 117.53% | +5,832 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.16% | 2.33% | 11.18% | 14.37% | 18.30% | +1,814 bps | |
| Loan Growth (YoY) | 3.67% | 3.52% | 4.61% | 7.54% | 7.58% | +391 bps | |
| Share Growth (YoY) | -1.48% | 1.10% | 11.61% | 15.27% | 20.55% | +2,203 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.47% | 0.45% | 0.43% | 0.01% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.47% | 0.54% | 0.53% | 0.29% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.07% | 14.15% | 13.07% | 13.07% | 11.37% | -270 bps | |
| Net Worth / Assets | 14.07% | 14.15% | 13.07% | 13.07% | 11.37% | -270 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.16% | 56.62% | 52.11% | 52.06% | 50.12% | -604 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |