PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Central

Wenatchee, WA · Charter 89187

Q4 1996

$25.3MAssets
$18.7MLoans
$22.2MShares
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 4.39%, down 1 bps year over year.
  • Asset quality: problem loans at 0.52% of loans (-37 bps YoY).
  • Funding: loans stand at 84.44% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.39%-1 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.41%4.65%4.79%4.50%4.39%-1 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/an/an/a6.91%6.92%n/a
Loan Growth (YoY)n/an/an/a14.97%20.14%n/a
Share Growth (YoY)n/an/an/a3.47%4.35%n/a
Asset Quality
Delinquent Loans / Loans0.89%0.67%0.75%0.71%0.52%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.64%0.58%+58 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 / Shares73.34%83.97%80.44%80.16%84.44%+1,109 bps
Liquid Assets / Assets21.57%16.77%17.64%21.42%18.66%-290 bps