PackageTrendsPeer
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Northern States St. Cloud Employees

St Cloud, MN · Charter 64615

Q4 2001

$6.7MAssets
$3.9MLoans
$5.4MShares
$1.3MNet 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 1.14%, down 13 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.31%.
  • Funding: loans stand at 73.31% of shares as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

1.14%-13 bps YoY

Net Interest Margin (quarter, annualized)

4.04%-8 bps YoY

Efficiency Ratio (quarter, annualized)

71.97%+396 bps YoY

Net Worth / Assets

19.31%

Discrete quarter, annualized.

MetricQ4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.28%1.36%1.29%0.93%1.14%-13 bps
Return on Equityn/an/a6.13%4.57%5.92%n/a
Net Interest Margin4.12%4.32%4.56%4.24%4.04%-8 bps
Efficiency Ratio68.02%66.64%70.08%78.24%71.97%+396 bps
Growth
Asset Growth (YoY)18.54%8.50%10.03%3.42%15.48%-307 bps
Loan Growth (YoY)21.12%18.80%14.86%-0.08%-7.71%-2,882 bps
Share Growth (YoY)18.94%7.05%8.27%0.35%15.13%-381 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%0.98%1.03%0.75%0.80%-32 bps
Capital
Risk-Based Capitaln/an/a21.09%20.43%19.31%n/a
Net Worth / Assetsn/an/a21.09%20.43%19.31%n/a
Liquidity & Funding
Loans / Shares91.45%91.30%98.63%84.88%73.31%-1,814 bps
Liquid Assets / Assets11.56%20.60%19.97%22.43%31.27%+1,971 bps