# ECOLAB
SAINT PAUL, MN · NCUA charter 64722 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ecolab-64722

Who the members are: state charter, organized 1963. 2,156 members of 20,000 potential (10.8% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.8M |
| Members | 2,156 (– YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 9.9% (p28 of band) |
| ROA (annualized) | 0.01% (p29 of band) |
| Total delinquency | 0.24% (p24 of band) |
| Net charge-offs (annualized) | 0.35% (p60 of band) |
| Loans / shares | 54% (p47 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.74% (p40 of band) |
| Operating expense / assets | 3.63% (p58 of band) |
| Vehicles % of loans | 80% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 9% |
| Third-party paper % of net worth | 36% (p94 of band) |
| Vehicle delinquency | 0.21% (p37 of band) |
| Vehicle NCO | 0.43% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 2% |
| Average share balance | $3,154 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $8,450 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-26 [Business People: Simermeyer to lead Ecolab’s Global Healthcare and Life Sciences group - Pioneer Press](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNbGg1M0FING1URE9YVDdXYWo2ZWFQVnZtT0RJRUFHWDRReFNNcERRRE95Vkw5Z0tMUGVUeHNaSVlkWlJrbHFhMVdiYkg2MVdpMEJwX2p5aUM5WkVLY3kxQ1c4ZjgwUFVZaU5SUml0OEc5LTYzS2tYY2NFRWkzdHlsakZLVmUwRW1BRzBEekRlOVVTaTdqTVZ4a3lLTGkteDJiZWM4YnhHekxqMk9XYllCNm5LdTlBNi1QWHF1V3lxaEM?oc=5) · Pioneer Press
- 2015-05-06 [The Integrator - HR Executive](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBPNW9jT0xaZDh4bjBBbGxXMUkyd1k0a0tBUTBCWlVUeGxqQXkwbjNPVkJmb2tVcHBWZkdreHBLcXctejU4WWs5bEJ5TGVCRlI0?oc=5) · HR Executive
- 2011-10-01 [The Telecommuting Advantage - Twin Cities Business](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBUdzJydktPeU9rUDhaandKblNCczE2WGlHeTBsYXVqRW9heHZSTGRxT0dsMkhUSlY2R2puakNjSC1nQy1KY3Fyanh0RUR1OC10S2Y1bEp4bVl0cjQ?oc=5) · Twin Cities Business
- 2016-11-26 [Dan Stoltz has become the face of the east metro’s growing Spire credit union - Pioneer Press](https://news.google.com/rss/articles/CBMitgFBVV95cUxONTdMeV9JcHNBV1ZwUHFVeV9Kc2RHZmI5MjJQem1MbW9SWFVIOWprS1JkMTZ6Z0hUR2RLTlRuczkxOFFrZFB5RTBtaVhJemlLWW9QWlJOTHJBeDRkNDdwZHRTS3A1RmU3SFZKeHBNa0ZtZkNDbjZEVkpaLVR5UTlpTm5xNkxBc1llZDg0T2hzQllCZV8xYURaNUxTVTBId0pJRE11UzZaZEQ3bkp3Qi1xVy1Cckg3QQ?oc=5) · Pioneer Press
- 2022-10-12 [Ecolab wage-and-hour $180K class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQYWk4VTNFdXZLZmFkeG1HeENMYUhqa0ZVOVd4eGUzQm1LZ2JVbDNoeVBnTUIwVkVJd1ZzN2VmU1pwV0FWQl9ub0Q1ZmgzVnJtVmVtOGkxUG9OcnVSMWNGUmUwb0J0MnRfcUFvUkk2U3ZFcFI2THRxMDhYOUpKamhiRlN3WUVQdEhCa0hDOW1xTHhDZksxMHNueXZvdWhBZVloVmRwcXVybjlPZXhzYnFONnd0RVVJLVdI?oc=5) · Top Class Actions
- 2025-05-01 [Howdy Awards honor 10 for hospitality excellence in Springfield area - masslive.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxOd0JxMjRhRmlkYVNNcmdocmYyTklHcl91MTNjbXBMQ3pOLVZhTHRwQ1ZWU1NRYXZLWThhWDVCU3RWQzlLQnlBYXY3S0kyT0xzVlZXX2tIX1ZGV1hKY0JuQzRQLW9SS1NTb2dFaVFyS1k5VmpGWU5XVUE1ek1ubWpWOGlSRUF1OWVLQ2FhdGNveHBNLXhsYWI1blU3eVlZcXUyUGFhdUVQVURPLXRjYk0zTzNMbkwwdw?oc=5) · masslive.com
- 2016-11-04 [Ecolab is moving. Which St. Paul skyway businesses will stay? - Pioneer Press](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbGJ4V1VlZmt6dlozZDkyMmpTaTc0SU02M3VJQ2dwRVlFTGE0ZkQ4R2xpMDEtSGFwM285MjJ5YTRRbWlaMWtycmxET1RkMGZId2RyV3NrUTRJMk50MEdTN1JWY0Fld3UxV1Y2emdFbUIzcXRLejhtNm5qZTdXU2VSc1pMRjlRbklCeWNyaFpwWlRDa2wtQXRKQlZQdm9aQWNXcXJ3NkUwLUk0b2M?oc=5) · Pioneer Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64722 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "64722", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64722
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide