Portland, OR · Charter 68504
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Portland, OR · Charter 68504
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 9.35% | -0.67% | -3.05% | -8.42% | -7.38% | -1,674 bps | |
| Return on Equity | 81.33% | -6.38% | -39.81% | -303% | -569% | -65,058 bps | |
| Net Interest Margin | 3.86% | 6.80% | 6.17% | 6.34% | 6.21% | +235 bps | |
| Efficiency Ratio | 56.22% | 95.82% | 115.67% | 122.93% | 126.99% | +7,076 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 136.74% | 132.88% | 52.36% | 46.21% | 32.99% | -10,375 bps | |
| Loan Growth (YoY) | 1087% | 327% | 138.00% | 67.17% | 33.29% | -105,324 bps | |
| Share Growth (YoY) | 129.97% | 120.98% | 49.54% | 48.76% | 46.40% | -8,357 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 2.28% | 2.51% | 1.91% | 3.00% | +79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 0.74% | 1.38% | 5.21% | 4.45% | +242 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.50% | 10.49% | 7.66% | 2.77% | 1.30% | -1,020 bps | |
| Net Worth / Assets | 11.50% | 10.49% | 7.66% | 2.77% | 1.30% | -1,020 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.43% | 79.99% | 73.81% | 75.41% | 76.87% | -756 bps | |
| Liquid Assets / Assets | 21.28% | 21.28% | 26.74% | 24.56% | 21.50% | +22 bps | |