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Knife River

Hazen, ND · Charter 67007

Q1 2008

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 2008, the quarter ended March 31, 2008, 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

Knife River

Hazen, ND · Charter 67007

Q1 2008

$8.0MAssets
$4.9MLoans
$7.4MShares
$415KNet 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 0.90%, down 15 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.56% of loans (+40 bps YoY).
  • Capital: net worth / assets of 5.20%, down 344 bps from a year ago.
  • Funding: loans stand at 66.31% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

0.90%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-34 bps YoY

Efficiency Ratio (YTD, annualized)

83.26%+285 bps YoY

Net Worth / Assets

5.20%-344 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets1.05%1.18%1.25%1.04%0.90%-15 bps
Return on Equity12.18%13.24%14.45%12.62%17.31%+513 bps
Net Interest Margin3.96%3.98%3.77%3.50%3.62%-34 bps
Efficiency Ratio80.41%79.00%76.61%79.58%83.26%+285 bps
Growth
Asset Growth (YoY)10.86%10.04%19.49%26.91%16.34%+548 bps
Loan Growth (YoY)7.16%8.32%8.96%7.85%12.44%+528 bps
Share Growth (YoY)10.37%9.18%19.73%27.90%20.29%+992 bps
Asset Quality
Delinquent Loans / Loans0.16%0.16%0.16%0.14%0.56%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.75%0.72%0.73%0.69%-10 bps
Capital
Risk-Based Capital8.64%8.90%8.68%8.21%5.20%-344 bps
Net Worth / Assets8.64%8.90%8.68%8.21%5.20%-344 bps
Liquidity & Funding
Loans / Shares70.94%74.98%70.88%64.91%66.31%-463 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps