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Norwest Medical

Portland, OR · Charter 21918

Q4 2006

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: Q4 2006, the quarter ended December 31, 2006, 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

Norwest Medical

Portland, OR · Charter 21918

Q4 2006

$2.6MAssets
$2.4MLoans
$2.2MShares
$321KNet 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 -3.62%, down 448 bps year over year; NIM at 6.42%.
  • Asset quality: problem loans at 5.61% of loans (+412 bps YoY).
  • Capital: net worth / assets of 12.56%, up 2 bps from a year ago.
  • Funding: loans stand at 106.31% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

-3.62%-448 bps YoY

Net Interest Margin (YTD, annualized)

6.42%+93 bps YoY

Efficiency Ratio (YTD, annualized)

100.28%+2,586 bps YoY

Net Worth / Assets

12.56%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.86%-1.36%-0.63%-3.95%-3.62%-448 bps
Return on Equity6.90%-10.83%-5.00%-33.18%-28.82%-3,572 bps
Net Interest Margin5.49%5.51%5.36%6.03%6.42%+93 bps
Efficiency Ratio74.42%93.65%96.01%94.25%100.28%+2,586 bps
Growth
Asset Growth (YoY)3.66%-0.68%5.90%-14.69%-22.50%-2,616 bps
Loan Growth (YoY)-3.65%-2.89%-2.05%-10.65%-13.56%-991 bps
Share Growth (YoY)3.13%-1.07%6.97%-14.16%-23.00%-2,612 bps
Asset Quality
Delinquent Loans / Loans1.49%2.92%3.35%1.37%5.61%+412 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.05%0.90%1.99%2.10%+100 bps
Capital
Risk-Based Capital12.54%12.52%12.63%11.89%12.56%+2 bps
Net Worth / Assets12.54%12.52%12.63%11.89%12.56%+2 bps
Liquidity & Funding
Loans / Shares94.71%98.51%96.89%101.41%106.31%+1,160 bps
Liquid Assets / Assets14.77%11.50%0.00%0.00%0.00%-1,477 bps