PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cascade Forest Products

Vancouver, WA · Charter 89190

Q4 1996

$6.3MAssets
$4.5MLoans
$5.7MShares
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 4.02%, up 70 bps year over year.
  • Asset quality: problem loans at 0.89% of loans (+16 bps YoY).
  • Funding: loans stand at 78.87% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.02%+70 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.32%3.88%3.89%3.56%4.02%+70 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/a5.01%4.33%n/a
Loan Growth (YoY)n/an/an/a-3.55%-3.69%n/a
Share Growth (YoY)n/an/an/a3.52%2.08%n/a
Asset Quality
Delinquent Loans / Loans0.73%0.24%0.12%4.59%0.89%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.65%0.74%0.77%0.86%-4 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 / Shares83.60%87.53%81.59%70.04%78.87%-473 bps
Liquid Assets / Assets0.00%3.38%5.36%26.34%19.79%+1,979 bps