PackageTrendsPeer
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Northland

Liberty, MO · Charter 64322

Q4 1996

$1.9MAssets
$836KLoans
$1.8MShares
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 -3.05%, down 776 bps year over year.
  • Asset quality: problem loans at 7.01% of loans (+246 bps YoY).
  • Funding: loans stand at 45.69% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

-3.05%-776 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.71%3.50%3.76%0.00%-3.05%-776 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)n/an/an/a-4.46%-12.49%n/a
Loan Growth (YoY)n/an/an/a-24.33%-43.73%n/a
Share Growth (YoY)n/an/an/a-4.49%-7.47%n/a
Asset Quality
Delinquent Loans / Loans4.55%8.83%13.75%17.60%7.01%+246 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.99%3.40%3.63%7.04%8.62%+662 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 / Shares75.13%82.92%67.76%59.42%45.69%-2,944 bps
Liquid Assets / Assets26.08%24.76%30.28%41.12%39.57%+1,349 bps