Camas, WA · Charter 68492
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.09% | 0.30% | 0.63% | -1.02% | -103 bps | |
| Return on Equity | 0.13% | 1.07% | 3.45% | 7.05% | -12.12% | -1,225 bps | |
| Net Interest Margin | 2.47% | 2.53% | 2.54% | 2.63% | 2.75% | +27 bps | |
| Efficiency Ratio | 87.88% | 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 / Loans | 0.27% | 0.35% | 0.16% | 0.12% | 0.23% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 0.99% | 0.96% | 0.74% | 0.73% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.41% | 8.52% | 8.76% | 8.87% | 8.41% | 0 bps | |
| Net Worth / Assets | 8.41% | 8.52% | 8.76% | 8.87% | 8.41% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.57% | 54.30% | 54.82% | 54.86% | 58.30% | +272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |