Portland, OR · Charter 7793
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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.
Portland, OR · Charter 7793
Q3 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.48% | -2.29% | -0.92% | -0.41% | -1.59% | +189 bps | |
| Return on Equity | -14.50% | -10.03% | -4.43% | -1.92% | -8.02% | +648 bps | |
| Net Interest Margin | 5.66% | 5.67% | 4.79% | 5.46% | 5.25% | -41 bps | |
| Efficiency Ratio | 64.18% | 101.83% | 118.11% | 107.04% | 110.99% | +4,681 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.39% | 1.02% | -2.23% | -1.55% | 2.91% | +330 bps | |
| Loan Growth (YoY) | 0.82% | -13.09% | -29.52% | -28.42% | -28.19% | -2,902 bps | |
| Share Growth (YoY) | 2.53% | 4.77% | 2.98% | 4.39% | 8.60% | +607 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.76% | 13.69% | 9.96% | 11.23% | 10.61% | -215 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.00% | 2.66% | 2.21% | 2.70% | 4.06% | -194 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.97% | 22.85% | 20.82% | 21.30% | 19.84% | -413 bps | |
| Net Worth / Assets | 23.97% | 22.85% | 20.82% | 21.30% | 19.84% | -413 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.21% | 78.82% | 68.05% | 64.65% | 64.28% | -3,293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |