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Northern Paper Mills

Green Bay, WI · Charter 66632

NCUA · 1 branch

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

Northern Paper Mills

Green Bay, WI · Charter 66632

NCUA · 1 branch

Q1 2020

$21.9MAssets
$15.7MLoans
$17.5MShares
$4.4MNet 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 0.22%, up 23 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.24% of loans (+11 bps YoY).
  • Capital: net worth / assets of 20.15%, up 55 bps from a year ago.
  • Funding: loans stand at 89.65% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

0.22%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-9 bps YoY

Efficiency Ratio (YTD, annualized)

94.60%-570 bps YoY

Net Worth / Assets

20.15%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets-0.01%0.38%0.35%0.34%0.22%+23 bps
Return on Equity-0.06%1.92%1.73%1.63%1.08%+114 bps
Net Interest Margin3.54%3.64%3.68%3.76%3.45%-9 bps
Efficiency Ratio100.29%90.99%91.81%92.29%94.60%-570 bps
Growth
Asset Growth (YoY)-5.61%-4.21%-3.80%-3.03%-0.86%+475 bps
Loan Growth (YoY)5.21%2.30%-1.02%-3.71%-7.58%-1,279 bps
Share Growth (YoY)-7.06%-5.48%-4.56%-4.17%-1.00%+606 bps
Asset Quality
Delinquent Loans / Loans0.13%0.45%0.16%0.56%0.24%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.60%0.61%0.61%0.63%-2 bps
Capital
Risk-Based Capital19.60%20.03%20.24%20.80%20.15%+55 bps
Net Worth / Assets19.60%20.03%20.24%20.80%20.15%+55 bps
Liquidity & Funding
Loans / Shares96.03%96.67%95.13%97.15%89.65%-638 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps