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Georgia Pacific Toledo

Toledo, OR · Charter 13494

NCUA · 1 branch

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

Georgia Pacific Toledo

Toledo, OR · Charter 13494

NCUA · 1 branch

Q1 2018

$3.2MAssets
$1.3MLoans
$3.0MShares
$164KNet 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 -4.14%, down 314 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 1.89% of loans (+187 bps YoY).
  • Capital: net worth / assets of 5.15%, down 166 bps from a year ago.
  • Funding: loans stand at 42.14% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-4.14%-314 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+19 bps YoY

Efficiency Ratio (YTD, annualized)

182.97%+5,505 bps YoY

Net Worth / Assets

5.15%-166 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-1.00%-1.01%-1.28%-1.42%-4.14%-314 bps
Return on Equity-14.62%-14.85%-20.15%-22.02%-80.31%-6,569 bps
Net Interest Margin2.30%2.38%2.41%2.61%2.49%+19 bps
Efficiency Ratio127.93%127.39%134.22%135.28%182.97%+5,505 bps
Growth
Asset Growth (YoY)6.75%2.64%2.66%-5.33%-6.46%-1,321 bps
Loan Growth (YoY)-10.52%-12.60%-15.59%-5.77%-8.53%+200 bps
Share Growth (YoY)8.77%4.20%4.31%-4.38%-5.01%-1,377 bps
Asset Quality
Delinquent Loans / Loans0.02%0.73%0.00%1.28%1.89%+187 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.12%1.18%1.20%1.16%1.27%+14 bps
Capital
Risk-Based Capital6.82%6.82%6.35%6.44%5.15%-166 bps
Net Worth / Assets6.82%6.82%6.35%6.44%5.15%-166 bps
Liquidity & Funding
Loans / Shares43.77%43.33%42.52%47.76%42.14%-162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps