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St. Cloud

St Cloud, MN · Charter 24584

NCUA · 3 branches

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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 2026-10-10

St. Cloud

St Cloud, MN · Charter 24584

NCUA · 3 branches

Q3 2018

$175.3MAssets
$131.7MLoans
$156.9MShares
$15.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.75%, up 28 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.69% of loans (-25 bps YoY).
  • Capital: net worth / assets of 8.99%, up 3 bps from a year ago.
  • Funding: loans stand at 83.92% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

0.75%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+10 bps YoY

Efficiency Ratio (YTD, annualized)

81.08%-608 bps YoY

Net Worth / Assets

8.99%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.63%0.31%0.35%0.46%0.44%0.74%0.63%0.75%+28 bps
Return on Equity6.92%3.52%3.92%5.19%4.99%8.63%7.45%8.31%+312 bps
Net Interest Margin2.81%2.61%2.66%2.68%2.63%2.61%2.62%2.78%+10 bps
Efficiency Ratio81.03%91.43%89.93%87.16%87.25%81.60%82.82%81.08%-608 bps
Growth
Asset Growth (YoY)6.76%8.54%9.76%8.62%7.93%8.72%11.37%7.52%-110 bps
Loan Growth (YoY)5.99%3.09%2.12%-0.31%0.48%4.64%9.83%11.26%+1,156 bps
Share Growth (YoY)6.20%8.58%10.34%8.73%7.70%8.12%8.13%7.12%-161 bps
Asset Quality
Delinquent Loans / Loans0.89%0.68%0.92%0.95%1.11%0.78%0.49%0.69%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.59%0.57%0.54%0.54%0.52%0.52%0.51%-2 bps
Capital
Risk-Based Capital9.05%8.78%8.85%8.96%8.83%8.61%8.52%8.99%+3 bps
Net Worth / Assets9.05%8.78%8.85%8.96%8.83%8.61%8.52%8.99%+3 bps
Liquidity & Funding
Loans / Shares84.70%79.44%79.62%80.79%79.02%76.88%80.87%83.92%+312 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps