PackageTrendsPeer
Letter portraitLegal landscape

Bramco Employees

Louisville, KY · Charter 10948

Q4 2009

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: Q4 2009, the quarter ended December 31, 2009, 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

Bramco Employees

Louisville, KY · Charter 10948

Q4 2009

$944KAssets
$607KLoans
$826KShares
$115KNet 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 -3.04%, down 290 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.09% of loans (-677 bps YoY).
  • Capital: net worth / assets of 12.18%, down 291 bps from a year ago.
  • Funding: loans stand at 73.47% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-3.04%-290 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+31 bps YoY

Efficiency Ratio (YTD, annualized)

80.52%+586 bps YoY

Net Worth / Assets

12.18%-291 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-0.13%-2.33%-2.59%-2.55%-3.04%-290 bps
Return on Equity-0.89%-17.64%-20.61%-21.07%-24.95%-2,406 bps
Net Interest Margin3.47%3.00%3.30%3.21%3.78%+31 bps
Efficiency Ratio74.67%95.30%60.87%68.47%80.52%+586 bps
Growth
Asset Growth (YoY)9.49%22.93%23.75%17.37%-0.82%-1,031 bps
Loan Growth (YoY)-0.90%-1.30%1.10%1.77%-12.88%-1,198 bps
Share Growth (YoY)11.75%29.53%31.97%24.21%2.85%-891 bps
Asset Quality
Delinquent Loans / Loans6.86%7.49%0.61%1.24%0.09%-677 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%0.93%0.93%1.95%2.38%+152 bps
Capital
Risk-Based Capital15.10%13.19%12.58%12.09%12.18%-291 bps
Net Worth / Assets15.10%13.19%12.58%12.09%12.18%-291 bps
Liquidity & Funding
Loans / Shares86.73%72.03%72.22%76.05%73.47%-1,326 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps