PackageTrendsPeer
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North Santiam

Stayton, OR · Charter 10108

Q2 1999

$6.7MAssets
$5.1MLoans
$7.2MShares
n/aNet 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 -23.11%, down 2,912 bps year over year.
  • Asset quality: problem loans at 14.30% of loans (+428 bps YoY).
  • Funding: loans stand at 71.04% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

-23.11%-2,912 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets6.01%5.89%5.90%1.11%-23.11%-2,912 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)54.42%53.13%50.81%46.99%16.47%-3,795 bps
Loan Growth (YoY)37.91%45.78%41.39%35.64%5.91%-3,200 bps
Share Growth (YoY)55.73%55.32%53.35%57.03%41.23%-1,449 bps
Asset Quality
Delinquent Loans / Loans10.02%15.41%18.43%15.51%14.30%+428 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.04%2.96%2.49%6.42%19.09%+1,605 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares94.73%96.27%94.17%85.59%71.04%-2,369 bps
Liquid Assets / Assets15.36%14.18%9.83%17.74%31.69%+1,633 bps