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Soo Line/AFL-CIO Credit Union

Bismarck, ND · Charter 62860

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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/AFL-CIO Credit Union

Bismarck, ND · Charter 62860

Q4 2000

$2.2MAssets
$1.8MLoans
$1.9MShares
$325KNet 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 0.90%, down 339 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 3.62% of loans (+349 bps YoY).
  • Capital: net worth / assets of 14.54%.
  • Funding: loans stand at 94.14% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.90%-339 bps YoY

Net Interest Margin (YTD, annualized)

5.18%

Efficiency Ratio (YTD, annualized)

83.69%

Net Worth / Assets

14.54%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.30%4.08%0.77%0.89%0.90%-339 bps
Return on Equityn/an/an/an/a6.22%n/an/a
Net Interest Marginn/an/a5.24%5.24%5.18%n/a
Efficiency Ration/an/a86.42%84.58%83.69%n/a
Growth
Asset Growth (YoY)9.85%-2.07%0.59%-0.97%-2.03%-1,188 bps
Loan Growth (YoY)-0.09%-0.91%-2.78%2.51%3.78%+387 bps
Share Growth (YoY)8.12%-4.82%-1.74%-3.18%-4.31%-1,242 bps
Asset Quality
Delinquent Loans / Loans0.13%0.25%0.00%0.13%3.62%+349 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.26%0.25%0.22%0.15%0.16%-10 bps
Capital
Risk-Based Capitaln/an/an/an/a14.54%n/an/a
Net Worth / Assetsn/an/an/an/a14.54%n/an/a
Liquidity & Funding
Loans / Shares86.80%96.54%96.75%99.97%94.14%+734 bps
Liquid Assets / Assets22.69%14.24%0.00%0.00%18.47%-422 bps