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Hacienda Community Credit Union

Portland, OR · Charter 68504

Q4 2004

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: 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.

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

Hacienda Community Credit Union

Portland, OR · Charter 68504

Q4 2004

$2.9MAssets
$2.1MLoans
$2.7MShares
$37KNet 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 -7.38%, down 1,674 bps year over year; NIM at 6.21%.
  • Asset quality: problem loans at 3.00% of loans (+79 bps YoY).
  • Capital: net worth / assets of 1.30%, down 1,020 bps from a year ago.
  • Funding: loans stand at 76.87% of shares as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

-7.38%-1,674 bps YoY

Net Interest Margin (YTD, annualized)

6.21%+235 bps YoY

Efficiency Ratio (YTD, annualized)

126.99%+7,076 bps YoY

Net Worth / Assets

1.30%-1,020 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets9.35%-0.67%-3.05%-8.42%-7.38%-1,674 bps
Return on Equity81.33%-6.38%-39.81%-303%-569%-65,058 bps
Net Interest Margin3.86%6.80%6.17%6.34%6.21%+235 bps
Efficiency Ratio56.22%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 / Loans2.21%2.28%2.51%1.91%3.00%+79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.03%0.74%1.38%5.21%4.45%+242 bps
Capital
Risk-Based Capital11.50%10.49%7.66%2.77%1.30%-1,020 bps
Net Worth / Assets11.50%10.49%7.66%2.77%1.30%-1,020 bps
Liquidity & Funding
Loans / Shares84.43%79.99%73.81%75.41%76.87%-756 bps
Liquid Assets / Assets21.28%21.28%26.74%24.56%21.50%+22 bps