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St. Thomas Employee

Saint Paul, MN · Charter 5991

NCUA · 1 branch

Q2 2021

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 2021, the quarter ended June 30, 2021, 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

St. Thomas Employee

Saint Paul, MN · Charter 5991

NCUA · 1 branch

Q2 2021

$3.8MAssets
$1.9MLoans
$3.3MShares
$458KNet 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 0.57%, up 29 bps year over year; NIM at 1.70%.
  • Asset quality: problem loans at 0.12% of loans (-10 bps YoY).
  • Capital: net worth / assets of 12.17%, up 87 bps from a year ago.
  • Funding: loans stand at 56.27% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

0.57%+29 bps YoY

Net Interest Margin (YTD, annualized)

1.70%-57 bps YoY

Efficiency Ratio (YTD, annualized)

77.41%-1,013 bps YoY

Net Worth / Assets

12.17%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.28%0.28%0.31%-0.17%0.57%+29 bps
Return on Equity2.51%2.51%2.68%-1.53%4.70%+219 bps
Net Interest Margin2.27%2.28%2.28%1.64%1.70%-57 bps
Efficiency Ratio87.54%87.71%84.24%110.41%77.41%-1,013 bps
Growth
Asset Growth (YoY)4.42%10.64%9.50%6.10%-3.52%-794 bps
Loan Growth (YoY)-4.04%-11.00%-18.55%-21.50%-22.85%-1,881 bps
Share Growth (YoY)4.57%11.81%10.42%6.81%-4.38%-895 bps
Asset Quality
Delinquent Loans / Loans0.21%0.12%0.11%0.19%0.12%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%1.01%1.17%1.29%1.26%+19 bps
Capital
Risk-Based Capital11.29%11.16%11.49%11.17%12.17%+87 bps
Net Worth / Assets11.29%11.16%11.49%11.17%12.17%+87 bps
Liquidity & Funding
Loans / Shares69.74%65.86%63.44%56.07%56.27%-1,347 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps