Portland, OR · Charter 760
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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 760
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -0.24% | 0.02% | -10.63% | -8.03% | -777 bps | |
| Return on Equity | -3.49% | -3.10% | 0.22% | -199.35% | -190.68% | -18,719 bps | |
| Net Interest Margin | 2.86% | 3.04% | 3.16% | 2.43% | 2.16% | -70 bps | |
| Efficiency Ratio | 96.93% | 95.72% | 94.03% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.64% | -13.57% | -16.64% | -16.51% | -8.10% | +154 bps | |
| Loan Growth (YoY) | -14.90% | -16.50% | -17.35% | -15.14% | -18.88% | -398 bps | |
| Share Growth (YoY) | -10.06% | -14.33% | -17.90% | -15.36% | -5.35% | +471 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.75% | 1.01% | 1.22% | 1.17% | 1.02% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.69% | 1.55% | 1.47% | 1.52% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.41% | 7.78% | 8.36% | 5.33% | 4.21% | -320 bps | |
| Net Worth / Assets | 7.41% | 7.78% | 8.36% | 5.33% | 4.21% | -320 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.58% | 36.99% | 36.84% | 33.07% | 31.35% | -523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |