PackageTrendsPeer
Letter portraitLegal landscape

Northwood Transportation

Royal Oak, MI · Charter 60399

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Northwood Transportation

Royal Oak, MI · Charter 60399

Q4 2014

$19.1MAssets
$11.0MLoans
$16.3MShares
$2.3MNet 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 -3.03%, down 290 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.78% of loans (+26 bps YoY).
  • Capital: net worth / assets of 12.30%, down 302 bps from a year ago.
  • Funding: loans stand at 67.46% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-3.03%-290 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-47 bps YoY

Efficiency Ratio (YTD, annualized)

137.52%+5,451 bps YoY

Net Worth / Assets

12.30%-302 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.12%0.43%0.32%-0.03%-3.03%-290 bps
Return on Equity-0.80%2.83%2.03%-0.20%-24.60%-2,380 bps
Net Interest Margin4.11%3.85%3.84%3.67%3.64%-47 bps
Efficiency Ratio83.00%91.16%93.58%94.37%137.52%+5,451 bps
Growth
Asset Growth (YoY)-4.50%-4.08%-4.11%2.90%-0.01%+449 bps
Loan Growth (YoY)-2.55%-3.61%-8.47%-11.58%-12.54%-998 bps
Share Growth (YoY)-5.96%-5.66%-5.84%3.43%2.86%+882 bps
Asset Quality
Delinquent Loans / Loans0.51%1.08%1.30%0.47%0.78%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.93%2.13%2.04%2.26%3.75%+182 bps
Capital
Risk-Based Capital15.33%15.28%15.75%15.07%12.30%-302 bps
Net Worth / Assets15.33%15.28%15.75%15.07%12.30%-302 bps
Liquidity & Funding
Loans / Shares79.33%76.82%75.35%69.86%67.46%-1,188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps