PackageTrendsPeer
Letter portraitLegal landscape

Lacamas Community

Camas, WA · Charter 68492

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lacamas Community

Camas, WA · Charter 68492

Q2 2014

$193.0MAssets
$102.0MLoans
$174.9MShares
$16.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.02%, down 103 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.23% of loans (-5 bps YoY).
  • Capital: net worth / assets of 8.41%, unchanged from a year ago.
  • Funding: loans stand at 58.30% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.02%-103 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+27 bps YoY

Efficiency Ratio (YTD, annualized)

126.87%+3,900 bps YoY

Net Worth / Assets

8.41%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.01%0.09%0.30%0.63%-1.02%-103 bps
Return on Equity0.13%1.07%3.45%7.05%-12.12%-1,225 bps
Net Interest Margin2.47%2.53%2.54%2.63%2.75%+27 bps
Efficiency Ratio87.88%89.68%86.81%91.84%126.87%+3,900 bps
Growth
Asset Growth (YoY)1.02%0.88%1.39%-1.58%-2.38%-340 bps
Loan Growth (YoY)-0.13%-3.21%-1.73%0.31%3.31%+344 bps
Share Growth (YoY)0.96%2.08%2.22%-0.73%-1.52%-247 bps
Asset Quality
Delinquent Loans / Loans0.27%0.35%0.16%0.12%0.23%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.06%0.99%0.96%0.74%0.73%-34 bps
Capital
Risk-Based Capital8.41%8.52%8.76%8.87%8.41%0 bps
Net Worth / Assets8.41%8.52%8.76%8.87%8.41%0 bps
Liquidity & Funding
Loans / Shares55.57%54.30%54.82%54.86%58.30%+272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps