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Coos Educators'

Coos Bay, OR · Charter 8690

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

Coos Educators'

Coos Bay, OR · Charter 8690

Q4 2012

$13.5MAssets
$2.6MLoans
$12.4MShares
$1.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.74%, up 5 bps year over year; NIM at 1.84%.
  • Asset quality: problem loans at 0.42% of loans (+35 bps YoY).
  • Capital: net worth / assets of 7.65%, down 37 bps from a year ago.
  • Funding: loans stand at 21.24% of shares as of Q4 2012.

Return on Assets (YTD, annualized)

-0.74%+5 bps YoY

Net Interest Margin (YTD, annualized)

1.84%+22 bps YoY

Efficiency Ratio (YTD, annualized)

132.51%-912 bps YoY

Net Worth / Assets

7.65%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.21%-0.57%-0.81%-0.80%-0.71%-0.61%-0.63%-0.74%+5 bps
Return on Equity-2.46%-6.94%-10.48%-9.92%-9.21%-7.79%-8.14%-9.72%+21 bps
Net Interest Margin1.93%1.55%1.53%1.63%1.64%1.76%1.78%1.84%+22 bps
Efficiency Ratio110.25%132.39%146.34%141.64%136.19%126.48%127.25%132.51%-912 bps
Growth
Asset Growth (YoY)-3.98%0.40%0.15%-1.81%1.79%-4.72%-6.75%-4.41%-260 bps
Loan Growth (YoY)-15.82%-12.91%-6.97%1.45%17.04%23.68%29.39%28.48%+2,703 bps
Share Growth (YoY)-2.19%2.91%2.13%-0.76%3.07%-4.21%-6.67%-3.89%-313 bps
Asset Quality
Delinquent Loans / Loans0.20%0.13%0.00%0.07%0.25%0.00%0.00%0.42%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.60%0.62%0.53%0.33%0.37%0.22%0.49%0.36%+4 bps
Capital
Risk-Based Capital8.71%8.18%7.72%8.02%7.66%7.78%7.74%7.65%-37 bps
Net Worth / Assets8.71%8.18%7.72%8.02%7.66%7.78%7.74%7.65%-37 bps
Liquidity & Funding
Loans / Shares15.39%14.54%14.38%15.89%17.48%18.77%19.93%21.24%+535 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps