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Kabel

Belpre, OH · Charter 15182

Q2 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: Q2 2009, the quarter ended June 30, 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

Kabel

Belpre, OH · Charter 15182

Q2 2009

$103KAssets
$132KLoans
$96KShares
$-4KNet 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 -89.65%, down 8,590 bps year over year; NIM at 11.30%.
  • Asset quality: problem loans at 75.47% of loans (+7,547 bps YoY).
  • Capital: net worth / assets of -4.25%, down 1,700 bps from a year ago.
  • Funding: loans stand at 138.07% of shares as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-89.65%-8,590 bps YoY

Net Interest Margin (YTD, annualized)

11.30%+601 bps YoY

Efficiency Ratio (YTD, annualized)

53.46%-2,493 bps YoY

Net Worth / Assets

-4.25%-1,700 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-3.76%-1.34%0.49%6.20%-89.65%-8,590 bps
Return on Equity-29.48%-7.20%2.52%n/an/an/a
Net Interest Margin5.30%8.44%9.76%12.90%11.30%+601 bps
Efficiency Ratio78.39%63.88%60.41%51.94%53.46%-2,493 bps
Growth
Asset Growth (YoY)6.26%-25.23%-29.76%-61.74%-62.86%-6,911 bps
Loan Growth (YoY)17.45%15.89%15.32%-12.19%-22.20%-3,965 bps
Share Growth (YoY)8.62%-28.73%-32.65%-52.12%-60.10%-6,872 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%3.27%34.23%75.47%+7,547 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.62%3.57%3.67%37.81%41.41%+3,779 bps
Capital
Risk-Based Capital12.74%18.62%19.27%-5.46%-4.25%-1,700 bps
Net Worth / Assets12.74%18.62%19.27%-5.46%-4.25%-1,700 bps
Liquidity & Funding
Loans / Shares70.82%103.61%114.15%134.11%138.07%+6,725 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps