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St. Cloud T & L

St. Cloud, MN · Charter 61642

Q3 1999

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 1999, the quarter ended September 30, 1999, 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 T & L

St. Cloud, MN · Charter 61642

Q3 1999

$77.7MAssets
$56.8MLoans
$68.5MShares
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 1.08%, down 348 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.38% of loans (-16 bps YoY).
  • Funding: loans stand at 82.91% of shares as of Q3 1999.

Financial Results

Return on Assets (YTD, annualized)

1.08%-348 bps YoY

Net Interest Margin (YTD, annualized)

4.38%

Efficiency Ratio (YTD, annualized)

75.40%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.55%4.61%4.22%4.10%1.08%-348 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.38%n/an/a
Efficiency Ration/an/an/an/a75.40%n/an/a
Growth
Asset Growth (YoY)7.92%5.75%4.85%6.16%11.78%+387 bps
Loan Growth (YoY)0.09%-1.43%-2.88%1.17%9.63%+954 bps
Share Growth (YoY)7.86%5.09%3.98%5.43%11.75%+388 bps
Asset Quality
Delinquent Loans / Loans0.54%0.74%0.45%0.38%0.38%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.47%0.52%0.49%0.47%0 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares84.52%84.43%81.40%83.19%82.91%-160 bps
Liquid Assets / Assets18.19%18.52%21.26%20.11%12.88%-531 bps