Portland, OR · Charter 7330
NCUA · 1 branch
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.87% | 0.92% | 0.81% | 0.72% | -0.42% | -0.93% | -0.77% | -158 bps | |
| Return on Equity | 6.53% | 9.05% | 9.58% | 8.20% | 7.26% | -4.33% | -9.66% | -7.91% | -1,611 bps | |
| Net Interest Margin | 3.18% | 3.65% | 3.61% | 3.64% | 3.62% | 3.53% | 3.56% | 3.59% | -4 bps | |
| Efficiency Ratio | 86.60% | 79.01% | 78.58% | 76.76% | 79.18% | 95.17% | 87.03% | 85.46% | +870 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -7.37% | -2.73% | -4.93% | -0.45% | 3.23% | -1.97% | -2.92% | +201 bps | |
| Loan Growth (YoY) | 6.89% | 6.07% | 10.61% | 10.15% | 5.15% | 4.11% | -2.04% | -8.09% | -1,825 bps | |
| Share Growth (YoY) | -2.68% | -8.52% | -3.26% | -5.60% | -1.27% | 2.32% | -3.31% | -3.65% | +195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 0.14% | 0.25% | 3.30% | 3.94% | 3.86% | 3.61% | 3.55% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.28% | 0.29% | 0.64% | 0.59% | 0.59% | 0.69% | 0.94% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.11% | 9.61% | 9.62% | 9.87% | 9.87% | 9.71% | 9.61% | 9.71% | -16 bps | |
| Net Worth / Assets | 9.11% | 9.61% | 9.62% | 9.87% | 9.87% | 9.71% | 9.61% | 9.71% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.12% | 51.65% | 53.98% | 53.94% | 54.45% | 52.55% | 54.69% | 51.45% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |