Portland, OR · Charter 7065
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Portland, OR · Charter 7065
Q4 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.76% | -0.01% | -2.53% | -2.29% | -4.89% | -414 bps | |
| Return on Equity | -15.26% | -0.14% | -68.35% | -73.05% | -39982% | -3,996,669 bps | |
| Net Interest Margin | 4.30% | 3.89% | 3.87% | 3.69% | 3.66% | -64 bps | |
| Efficiency Ratio | 90.36% | 87.73% | 90.69% | 107.22% | 137.86% | +4,751 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.59% | -1.67% | -5.75% | -6.65% | -1.55% | +303 bps | |
| Loan Growth (YoY) | -6.25% | -9.02% | -6.09% | -0.27% | -7.28% | -103 bps | |
| Share Growth (YoY) | -3.43% | -0.56% | -3.91% | -5.00% | 3.00% | +642 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.46% | 7.42% | 6.19% | 6.58% | 4.64% | -282 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 1.75% | 1.65% | 2.23% | 1.67% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.97% | 4.80% | 3.70% | 3.13% | 0.01% | -496 bps | |
| Net Worth / Assets | 4.97% | 4.80% | 3.70% | 3.13% | 0.01% | -496 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.43% | 74.65% | 78.22% | 74.82% | 71.50% | -792 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |