PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

NW Industries

Portland, OR · Charter 64161

Q2 1998

$2.8MAssets
$2.1MLoans
$2.2MShares
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 -1.64%, down 496 bps year over year.
  • Asset quality: problem loans at 6.26% of loans (+618 bps YoY).
  • Funding: loans stand at 93.05% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

-1.64%-496 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.32%3.42%3.67%3.42%-1.64%-496 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)-2.05%6.40%7.66%11.40%-3.74%-168 bps
Loan Growth (YoY)18.10%13.86%6.29%9.69%-7.86%-2,595 bps
Share Growth (YoY)-2.26%7.07%4.90%9.84%-9.56%-729 bps
Asset Quality
Delinquent Loans / Loans0.08%0.05%1.83%1.68%6.26%+618 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.16%1.15%1.09%1.36%0.32%-83 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 / Shares91.34%87.22%87.39%82.27%93.05%+172 bps
Liquid Assets / Assets4.34%7.99%8.82%14.03%7.11%+277 bps