Hermiston, OR · Charter 68379
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 1.49% | 0.93% | 1.34% | 1.67% | +16 bps | |
| Return on Equity | 11.83% | 11.32% | 7.30% | 10.39% | 12.33% | +50 bps | |
| Net Interest Margin | 3.95% | 4.20% | 3.85% | 4.38% | 4.06% | +11 bps | |
| Efficiency Ratio | 72.58% | 73.57% | 74.87% | 71.92% | 67.57% | -501 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.55% | 6.26% | 4.23% | 6.46% | 6.62% | +107 bps | |
| Loan Growth (YoY) | 10.98% | 12.25% | 16.83% | 19.69% | 20.64% | +966 bps | |
| Share Growth (YoY) | 3.96% | 4.76% | 2.75% | 4.82% | 5.15% | +119 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.68% | 0.29% | 0.25% | 0.90% | +63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.60% | 0.63% | 0.62% | 0.56% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.74% | 13.13% | 12.81% | 12.92% | 13.53% | +79 bps | |
| Net Worth / Assets | 12.74% | 13.13% | 12.81% | 12.92% | 13.53% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.88% | 84.14% | 85.76% | 89.94% | 92.79% | +1,192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |