PackageTrendsPeer
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St. Cloud Federal Employees

St Cloud, MN · Charter 60367

Q4 1995

$24.2MAssets
$19.9MLoans
$21.5MShares
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 4.68%.
  • Asset quality: problem loans at 0.57% of loans.
  • Funding: loans stand at 92.70% of shares as of Q4 1995.

Financial Results

Return on Assets (quarter, annualized)

4.68%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets3.75%3.86%4.22%4.68%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.29%0.29%0.59%0.57%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.68%0.46%0.41%0.38%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares79.38%84.57%88.43%92.70%n/a
Liquid Assets / Assets18.87%16.42%13.42%10.75%n/a