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Ecolab

St. Paul, MN · Charter 64722

NCUA · 2 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Ecolab

St. Paul, MN · Charter 64722

NCUA · 2 branches

Q3 2016

$10.8MAssets
$5.2MLoans
$9.6MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 16 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.24% of loans (+21 bps YoY).
  • Capital: net worth / assets of 9.86%, down 23 bps from a year ago.
  • Funding: loans stand at 53.95% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

0.01%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-9 bps YoY

Efficiency Ratio (YTD, annualized)

103.59%+1,050 bps YoY

Net Worth / Assets

9.86%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.45%0.36%0.24%0.18%-0.25%0.36%0.44%0.01%-16 bps
Return on Equity-4.01%3.69%2.37%1.76%-2.41%3.62%4.50%0.12%-163 bps
Net Interest Margin3.38%2.91%2.84%2.82%2.81%2.83%2.74%2.74%-9 bps
Efficiency Ratio96.08%89.52%93.30%93.09%103.56%90.08%95.89%103.59%+1,050 bps
Growth
Asset Growth (YoY)0.32%1.94%3.65%4.88%6.44%-4.03%2.46%-1.34%-622 bps
Loan Growth (YoY)40.55%0.06%-1.43%-7.89%-7.63%-8.16%-5.09%-4.46%+343 bps
Share Growth (YoY)1.28%-3.06%5.43%7.65%7.66%1.35%3.14%-1.21%-886 bps
Asset Quality
Delinquent Loans / Loans0.12%0.19%0.15%0.03%0.68%0.61%0.59%0.24%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.80%0.63%0.65%0.49%0.81%0.79%0.47%0.34%-15 bps
Capital
Risk-Based Capital11.21%9.78%10.16%10.08%10.29%9.95%9.78%9.86%-23 bps
Net Worth / Assets11.21%9.78%10.16%10.08%10.29%9.95%9.78%9.86%-23 bps
Liquidity & Funding
Loans / Shares66.95%60.96%58.50%55.79%57.44%55.24%53.84%53.95%-183 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps