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St Cloud City & County Empl

St Cloud, MN · Charter 60984

Q3 2015

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 2015, the quarter ended September 30, 2015, 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 Cloud City & County Empl

St Cloud, MN · Charter 60984

Q3 2015

$20.5MAssets
$9.2MLoans
$18.2MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, down 3 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.05% of loans (-27 bps YoY).
  • Capital: net worth / assets of 11.08%, down 27 bps from a year ago.
  • Funding: loans stand at 50.31% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.15%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-6 bps YoY

Efficiency Ratio (YTD, annualized)

93.89%-151 bps YoY

Net Worth / Assets

11.08%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.04%-0.24%0.07%0.18%0.22%0.02%0.10%0.15%-3 bps
Return on Equity0.38%-2.12%0.60%1.56%1.95%0.18%0.92%1.32%-24 bps
Net Interest Margin2.50%2.46%2.43%2.47%2.46%2.38%2.31%2.41%-6 bps
Efficiency Ratio97.67%111.35%98.41%95.39%93.52%100.78%94.86%93.89%-151 bps
Growth
Asset Growth (YoY)2.96%2.08%3.34%4.64%5.27%6.59%7.59%4.28%-36 bps
Loan Growth (YoY)2.02%2.46%9.46%12.26%8.53%4.45%-0.10%-2.65%-1,491 bps
Share Growth (YoY)3.31%3.18%3.73%5.30%5.73%6.46%8.47%4.74%-55 bps
Asset Quality
Delinquent Loans / Loans0.43%0.28%0.30%0.32%0.03%0.02%0.06%0.05%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.46%0.46%0.45%0.40%0.38%0.37%0.38%0.38%-3 bps
Capital
Risk-Based Capital11.67%11.36%11.27%11.35%11.31%10.93%10.70%11.08%-27 bps
Net Worth / Assets11.67%11.36%11.27%11.35%11.31%10.93%10.70%11.08%-27 bps
Liquidity & Funding
Loans / Shares51.85%50.26%52.71%54.13%53.21%49.31%48.55%50.31%-382 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps