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White Pine

Pierce, ID · Charter 65786

NCUA · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

White Pine

Pierce, ID · Charter 65786

NCUA · 1 branch

Q4 2017

$8.1MAssets
$4.7MLoans
$7.0MShares
$1.0MNet 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 -0.16%, down 37 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 1.02% of loans (+102 bps YoY).
  • Capital: net worth / assets of 12.68%, down 74 bps from a year ago.
  • Funding: loans stand at 67.24% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-35 bps YoY

Efficiency Ratio (YTD, annualized)

110.50%+1,259 bps YoY

Net Worth / Assets

12.68%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.21%0.00%0.39%0.38%-0.16%-37 bps
Return on Equity1.57%-0.03%3.13%2.99%-1.26%-282 bps
Net Interest Margin3.47%3.06%2.98%3.03%3.12%-35 bps
Efficiency Ratio97.91%100.09%97.28%95.29%110.50%+1,259 bps
Growth
Asset Growth (YoY)-2.77%3.03%9.83%4.86%4.54%+731 bps
Loan Growth (YoY)-14.37%-9.09%-7.07%-4.07%-2.88%+1,149 bps
Share Growth (YoY)-4.47%3.04%9.70%4.65%6.84%+1,130 bps
Asset Quality
Delinquent Loans / Loans0.00%0.26%0.55%0.28%1.02%+102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.08%0.83%0.92%0.82%-27 bps
Capital
Risk-Based Capital13.42%12.85%12.56%12.68%12.68%-74 bps
Net Worth / Assets13.42%12.85%12.56%12.68%12.68%-74 bps
Liquidity & Funding
Loans / Shares73.97%71.91%68.59%68.03%67.24%-673 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps