PackageTrendsPeer
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Northland

Spokane, WA · Charter 10466

Q2 1997

$16.0MAssets
$10.4MLoans
$14.6MShares
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 3.31%, down 1 bps year over year.
  • Asset quality: problem loans at 8.14% of loans (+804 bps YoY).
  • Funding: loans stand at 70.83% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.31%-1 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.32%3.50%3.77%3.55%3.31%-1 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)n/an/a-14.18%-11.44%-3.33%n/a
Loan Growth (YoY)n/an/a49.29%41.57%18.74%n/a
Share Growth (YoY)n/an/a-16.71%-13.25%-5.16%n/a
Asset Quality
Delinquent Loans / Loans0.10%0.13%0.23%0.90%8.14%+804 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.96%0.30%0.15%0.25%0.25%-70 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 / Shares56.57%70.31%79.15%83.38%70.83%+1,425 bps
Liquid Assets / Assets36.18%24.58%16.11%11.16%18.26%-1,792 bps