Grants Pass, OR · Charter 68534
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Grants Pass, OR · Charter 68534
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.89% | -0.29% | -0.01% | 0.68% | 0.76% | +165 bps | |
| Return on Equity | -10.27% | -3.31% | -0.12% | 7.27% | 7.95% | +1,822 bps | |
| Net Interest Margin | 3.63% | 3.90% | 3.98% | 3.73% | 3.69% | +6 bps | |
| Efficiency Ratio | 60.93% | 65.02% | 65.77% | 69.83% | 68.35% | +742 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.56% | -3.90% | -6.69% | -2.83% | -2.33% | -289 bps | |
| Loan Growth (YoY) | -6.98% | -5.83% | -6.22% | -10.74% | -12.75% | -577 bps | |
| Share Growth (YoY) | 3.65% | -2.01% | -5.40% | -3.30% | -3.18% | -683 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.43% | 2.31% | 2.50% | 2.87% | 2.92% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 2.34% | 2.54% | 2.54% | 2.40% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.68% | 8.69% | 8.89% | 9.34% | 9.51% | +83 bps | |
| Net Worth / Assets | 8.68% | 8.69% | 8.89% | 9.34% | 9.51% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.43% | 78.40% | 78.14% | 73.73% | 71.57% | -785 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |