Eugene, OR · Charter 8789
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Eugene, OR · Charter 8789
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.96% | 0.95% | 1.19% | 0.95% | +7 bps | |
| Return on Equity | 15.78% | 16.11% | 15.33% | 19.15% | 15.23% | -54 bps | |
| Net Interest Margin | 4.70% | 5.01% | 5.13% | 4.90% | 4.78% | +8 bps | |
| Efficiency Ratio | 76.93% | 75.96% | 75.13% | 78.79% | 77.88% | +95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.84% | -3.60% | -1.14% | 2.50% | 5.16% | +700 bps | |
| Loan Growth (YoY) | -6.61% | 1.05% | 3.35% | 6.42% | 3.90% | +1,051 bps | |
| Share Growth (YoY) | -0.94% | -3.21% | -1.95% | 1.78% | 4.42% | +536 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 0.83% | 1.08% | 1.30% | 1.26% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.34% | 1.32% | 1.16% | 1.19% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.58% | 5.95% | 6.18% | 6.19% | 6.24% | +67 bps | |
| Net Worth / Assets | 5.58% | 5.95% | 6.18% | 6.19% | 6.24% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.74% | 87.40% | 87.42% | 80.98% | 78.35% | -39 bps | |
| Liquid Assets / Assets | 116.24% | 8.62% | 9.36% | 15.74% | 17.59% | -9,865 bps | |