PackageTrendsPeer
Letter portraitLegal landscape

Oregon Rails

Portland, OR · Charter 8431

Q1 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oregon Rails

Portland, OR · Charter 8431

Q1 2005

$33.4MAssets
$17.5MLoans
$29.5MShares
$4.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -17.85%, down 1,725 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 1.41% of loans (+39 bps YoY).
  • Capital: net worth / assets of 12.62%, down 300 bps from a year ago.
  • Funding: loans stand at 59.41% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-17.85%-1,725 bps YoY

Net Interest Margin (YTD, annualized)

2.40%-146 bps YoY

Efficiency Ratio (YTD, annualized)

455%+35,788 bps YoY

Net Worth / Assets

12.62%-300 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.59%-0.60%-0.26%-0.22%-17.85%-1,725 bps
Return on Equity-3.80%-3.85%-1.62%-1.35%-141.36%-13,757 bps
Net Interest Margin3.86%4.03%4.04%4.05%2.40%-146 bps
Efficiency Ratio97.53%90.31%90.31%93.01%455%+35,788 bps
Growth
Asset Growth (YoY)51.62%50.81%44.72%40.51%-8.60%-6,022 bps
Loan Growth (YoY)64.42%69.53%75.64%68.90%-4.90%-6,932 bps
Share Growth (YoY)53.33%53.95%45.44%38.85%-4.08%-5,742 bps
Asset Quality
Delinquent Loans / Loans1.02%1.45%2.04%2.15%1.41%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.37%1.32%1.14%4.90%+380 bps
Capital
Risk-Based Capital15.63%15.69%16.17%16.48%12.62%-300 bps
Net Worth / Assets15.63%15.69%16.17%16.48%12.62%-300 bps
Liquidity & Funding
Loans / Shares59.92%61.46%64.15%62.48%59.41%-51 bps
Liquid Assets / Assets34.42%27.05%26.96%42.81%40.28%+586 bps