Portland, OR · Charter 9477
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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 9477
Q1 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -1.03% | -1.04% | -1.67% | -1.11% | -71 bps | |
| Return on Equity | -2.46% | -6.54% | -6.61% | -11.37% | -7.86% | -540 bps | |
| Net Interest Margin | 4.47% | 4.39% | 4.82% | 4.70% | 3.95% | -52 bps | |
| Efficiency Ratio | 102.57% | 103.01% | 125.73% | 117.64% | 125.11% | +2,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.24% | -0.04% | -1.02% | -2.10% | 1.20% | -105 bps | |
| Loan Growth (YoY) | -8.87% | 2.23% | -1.17% | -4.90% | -15.76% | -689 bps | |
| Share Growth (YoY) | 5.17% | 1.06% | -0.17% | 0.25% | 4.09% | -108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.29% | 5.59% | 5.54% | 5.08% | 7.48% | +419 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.69% | 2.30% | 2.42% | 1.92% | 2.33% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.42% | 15.68% | 15.75% | 14.68% | 14.18% | -224 bps | |
| Net Worth / Assets | 16.42% | 15.68% | 15.75% | 14.68% | 14.18% | -224 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.89% | 87.50% | 84.91% | 78.89% | 70.32% | -1,657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |