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North Dakota Central

Bismarck, ND · Charter 95103

Q4 1997

$113.0MAssets
$2.4MLoans
$101.1MShares
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 5.02%.
  • Asset quality: problem loans at 0.00% of loans.
  • Funding: loans stand at 2.40% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

5.02%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets5.51%5.02%n/a
Return on Equityn/an/an/an/a
Net Interest Marginn/an/an/an/a
Efficiency Ration/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans0.00%0.00%n/a
Capital
Risk-Based Capitaln/an/an/an/a
Net Worth / Assetsn/an/an/an/a
Liquidity & Funding
Loans / Shares5.90%2.40%n/a
Liquid Assets / Assets88.12%71.32%n/a