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Cascade Central

Hood River, OR · Charter 68352

NCUA · 1 branch

Q4 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: Q4 2020, the quarter ended December 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

Cascade Central

Hood River, OR · Charter 68352

NCUA · 1 branch

Q4 2020

$81.2MAssets
$35.5MLoans
$70.8MShares
$9.2MNet 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 -0.52%, down 186 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.01% of loans (-50 bps YoY).
  • Capital: net worth / assets of 11.37%, down 270 bps from a year ago.
  • Funding: loans stand at 50.12% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.52%-186 bps YoY

Net Interest Margin (YTD, annualized)

2.12%-82 bps YoY

Efficiency Ratio (YTD, annualized)

117.53%+5,832 bps YoY

Net Worth / Assets

11.37%-270 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets1.34%1.09%0.87%1.04%-0.52%-186 bps
Return on Equity9.49%7.70%6.65%7.97%-4.58%-1,407 bps
Net Interest Margin2.93%2.72%2.35%2.23%2.12%-82 bps
Efficiency Ratio59.21%66.24%67.16%63.06%117.53%+5,832 bps
Growth
Asset Growth (YoY)0.16%2.33%11.18%14.37%18.30%+1,814 bps
Loan Growth (YoY)3.67%3.52%4.61%7.54%7.58%+391 bps
Share Growth (YoY)-1.48%1.10%11.61%15.27%20.55%+2,203 bps
Asset Quality
Delinquent Loans / Loans0.51%0.47%0.45%0.43%0.01%-50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.47%0.54%0.53%0.29%-19 bps
Capital
Risk-Based Capital14.07%14.15%13.07%13.07%11.37%-270 bps
Net Worth / Assets14.07%14.15%13.07%13.07%11.37%-270 bps
Liquidity & Funding
Loans / Shares56.16%56.62%52.11%52.06%50.12%-604 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps