PackageTrendsPeer
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Northern States Production Employee

Minneapolis, MN · Charter 64702

Q4 1997

$5.1MAssets
$4.8MLoans
$4.3MShares
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 1.12%, down 532 bps year over year.
  • Asset quality: problem loans at 4.21% of loans (+133 bps YoY).
  • Funding: loans stand at 110.51% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.12%-532 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets6.45%4.99%4.92%6.10%1.12%-532 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/a-5.65%-1.45%6.88%4.69%n/a
Loan Growth (YoY)n/a37.04%37.76%22.58%14.95%n/a
Share Growth (YoY)n/a-11.17%-5.57%4.78%8.90%n/a
Asset Quality
Delinquent Loans / Loans2.87%3.34%3.24%3.61%4.21%+133 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.82%0.96%1.43%1.36%5.69%+487 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 / Shares104.69%106.32%113.12%113.29%110.51%+582 bps
Liquid Assets / Assets14.24%11.60%6.54%8.62%8.28%-596 bps