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Soo Line Employees

Thief River Fal, MN · Charter 62670

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Soo Line Employees

Thief River Fal, MN · Charter 62670

NCUA · 1 branch

Q3 2018

$14.9MAssets
$6.4MLoans
$13.0MShares
$1.9MNet 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 0.18%, down 24 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 1.98% of loans (+169 bps YoY).
  • Capital: net worth / assets of 12.92%, up 22 bps from a year ago.
  • Funding: loans stand at 49.70% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.18%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+16 bps YoY

Efficiency Ratio (YTD, annualized)

100.96%+619 bps YoY

Net Worth / Assets

12.92%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.43%0.17%0.38%0.35%0.18%-24 bps
Return on Equity3.35%1.35%3.09%2.73%1.42%-194 bps
Net Interest Margin2.93%3.04%3.05%3.05%3.10%+16 bps
Efficiency Ratio94.77%99.87%90.31%91.35%100.96%+619 bps
Growth
Asset Growth (YoY)11.90%11.48%12.98%11.98%-1.84%-1,374 bps
Loan Growth (YoY)6.59%6.11%2.96%-0.14%-13.13%-1,972 bps
Share Growth (YoY)11.73%11.39%12.97%11.73%-2.08%-1,381 bps
Asset Quality
Delinquent Loans / Loans0.29%0.34%1.09%1.87%1.98%+169 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.45%2.21%2.46%2.42%1.74%-71 bps
Capital
Risk-Based Capital12.70%12.73%12.39%12.84%12.92%+22 bps
Net Worth / Assets12.70%12.73%12.39%12.84%12.92%+22 bps
Liquidity & Funding
Loans / Shares56.02%54.66%48.81%49.34%49.70%-632 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps