PackageTrendsPeer
Letter portraitLegal landscape

St. Louis Park Employees

St Louis Park, MN · Charter 63649

Q1 2007

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: Q1 2007, the quarter ended March 31, 2007, 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. Louis Park Employees

St Louis Park, MN · Charter 63649

Q1 2007

$652KAssets
$511KLoans
$517KShares
$135KNet 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 -22.74%, down 2,300 bps year over year; NIM at -2.60%.
  • Asset quality: problem loans at 3.40% of loans (+61 bps YoY).
  • Capital: net worth / assets of 20.68%, down 138 bps from a year ago.
  • Funding: loans stand at 98.79% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-22.74%-2,300 bps YoY

Net Interest Margin (YTD, annualized)

-2.60%-844 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

20.68%-138 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.26%0.14%-0.40%-0.50%-22.74%-2,300 bps
Return on Equity1.18%0.61%-1.63%-2.03%-109.96%-11,114 bps
Net Interest Margin5.84%6.46%6.88%7.04%-2.60%-844 bps
Efficiency Ratio95.59%97.87%105.71%107.10%n/an/a
Growth
Asset Growth (YoY)-20.23%-10.03%-13.04%-12.54%-18.23%+200 bps
Loan Growth (YoY)5.04%2.47%-4.77%-8.36%-23.46%-2,849 bps
Share Growth (YoY)-24.74%-12.58%-16.46%-15.81%-15.82%+892 bps
Asset Quality
Delinquent Loans / Loans2.79%1.73%1.39%3.06%3.40%+61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.55%0.59%0.60%3.01%+247 bps
Capital
Risk-Based Capital22.06%22.92%24.42%24.84%20.68%-138 bps
Net Worth / Assets22.06%22.92%24.42%24.84%20.68%-138 bps
Liquidity & Funding
Loans / Shares108.65%112.85%116.11%117.23%98.79%-986 bps
Liquid Assets / Assets14.69%0.00%0.00%0.00%0.00%-1,469 bps