Portland, OR · Charter 8431
Q1 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.86% | 4.03% | 4.04% | 4.05% | 2.40% | -146 bps | |
| Efficiency Ratio | 97.53% | 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 / Loans | 1.02% | 1.45% | 2.04% | 2.15% | 1.41% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.37% | 1.32% | 1.14% | 4.90% | +380 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.63% | 15.69% | 16.17% | 16.48% | 12.62% | -300 bps | |
| Net Worth / Assets | 15.63% | 15.69% | 16.17% | 16.48% | 12.62% | -300 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.92% | 61.46% | 64.15% | 62.48% | 59.41% | -51 bps | |
| Liquid Assets / Assets | 34.42% | 27.05% | 26.96% | 42.81% | 40.28% | +586 bps | |