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Northern Eagle

Nett Lake, MN · Charter 24852

NCUA · 2 branches

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Northern Eagle

Nett Lake, MN · Charter 24852

NCUA · 2 branches

Q4 2019

$749KAssets
$503KLoans
$612KShares
$107KNet 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 158 bps year over year; NIM at 7.37%.
  • Asset quality: problem loans at 5.33% of loans (+60 bps YoY).
  • Capital: net worth / assets of 14.32%, down 425 bps from a year ago.
  • Funding: loans stand at 82.13% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-3.62%-158 bps YoY

Net Interest Margin (YTD, annualized)

7.37%+130 bps YoY

Efficiency Ratio (YTD, annualized)

103.08%+66 bps YoY

Net Worth / Assets

14.32%-425 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-2.04%-61.80%-16.26%-3.43%-3.62%-158 bps
Return on Equity-10.99%-442%-185.95%-26.38%-25.28%-1,429 bps
Net Interest Margin6.07%-15.48%6.73%6.43%7.37%+130 bps
Efficiency Ratio102.42%n/a118.74%102.20%103.08%+66 bps
Growth
Asset Growth (YoY)-6.95%-14.57%-17.21%-9.75%-17.03%-1,008 bps
Loan Growth (YoY)-13.28%7.90%6.65%10.05%7.31%+2,059 bps
Share Growth (YoY)-0.22%-6.19%-4.64%-1.43%-5.63%-541 bps
Asset Quality
Delinquent Loans / Loans4.73%4.76%0.96%3.19%5.33%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.20%0.47%7.70%6.18%3.54%+334 bps
Capital
Risk-Based Capital18.57%13.97%8.74%13.00%14.32%-425 bps
Net Worth / Assets18.57%13.97%8.74%13.00%14.32%-425 bps
Liquidity & Funding
Loans / Shares72.23%73.74%76.27%71.38%82.13%+990 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps