PackageTrendsPeer
Letter portraitLegal landscape

Firstel

Brooklyn Center, MN · Charter 63054

Q3 1996

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 1996, the quarter ended September 30, 1996, 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

Firstel

Brooklyn Center, MN · Charter 63054

Q3 1996

n/aAssets
n/aLoans
n/aShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

n/a

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets4.48%4.58%4.48%n/an/an/a
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)15.74%13.80%13.96%n/an/an/a
Loan Growth (YoY)14.70%13.07%12.11%n/an/an/a
Share Growth (YoY)14.40%14.11%13.39%n/an/an/a
Asset Quality
Delinquent Loans / Loans0.51%0.46%0.52%n/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.58%0.59%n/an/an/a
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares82.30%84.53%86.39%n/an/an/a
Liquid Assets / Assets22.24%20.24%16.00%n/an/an/a