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Energy Services

St Cloud, MN · Charter 24664

NCUA · 3 branches

Q2 2019

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: Q2 2019, the quarter ended June 30, 2019, 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

Energy Services

St Cloud, MN · Charter 24664

NCUA · 3 branches

Q2 2019

$10.1MAssets
$5.7MLoans
$8.5MShares
$1.5MNet 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 -2.75%, down 291 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.31% of loans (+31 bps YoY).
  • Capital: net worth / assets of 15.18%, down 85 bps from a year ago.
  • Funding: loans stand at 67.02% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.75%-291 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-71 bps YoY

Efficiency Ratio (YTD, annualized)

197.39%+10,291 bps YoY

Net Worth / Assets

15.18%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.16%0.25%0.08%-0.47%-2.75%-291 bps
Return on Equity0.99%1.49%0.45%-2.95%-18.13%-1,912 bps
Net Interest Margin3.12%3.23%3.32%3.23%2.41%-71 bps
Efficiency Ratio94.48%92.44%95.67%113.54%197.39%+10,291 bps
Growth
Asset Growth (YoY)1.55%-0.70%-2.90%-2.97%-3.21%-475 bps
Loan Growth (YoY)16.42%19.66%11.80%10.79%3.51%-1,290 bps
Share Growth (YoY)-1.01%-1.97%-9.37%-3.35%-0.52%+49 bps
Asset Quality
Delinquent Loans / Loans0.00%0.15%0.98%0.15%0.31%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.33%0.34%0.44%0.36%0.36%+3 bps
Capital
Risk-Based Capital16.03%16.50%16.74%15.86%15.18%-85 bps
Net Worth / Assets16.03%16.50%16.74%15.86%15.18%-85 bps
Liquidity & Funding
Loans / Shares64.41%65.86%73.56%64.46%67.02%+261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps