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Big Island 1013

Big Island, VA · Charter 16253

Q4 2008

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 2008, the quarter ended December 31, 2008, 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

Big Island 1013

Big Island, VA · Charter 16253

Q4 2008

$14.6MAssets
$8.4MLoans
$13.5MShares
$1.1MNet 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 -5.70%, down 678 bps year over year; NIM at -2.30%.
  • Asset quality: problem loans at 0.56% of loans (-111 bps YoY).
  • Capital: net worth / assets of 7.37%, down 667 bps from a year ago.
  • Funding: loans stand at 62.29% of shares as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-5.70%-678 bps YoY

Net Interest Margin (YTD, annualized)

-2.30%-600 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

7.37%-667 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets1.08%0.90%1.04%1.03%-5.70%-678 bps
Return on Equity7.69%6.48%7.41%7.27%-77.38%-8,507 bps
Net Interest Margin3.70%3.51%3.63%3.58%-2.30%-600 bps
Efficiency Ratio72.46%71.75%69.56%71.53%n/an/a
Growth
Asset Growth (YoY)2.51%4.72%2.53%2.81%7.43%+492 bps
Loan Growth (YoY)11.61%10.35%3.02%-0.76%-3.79%-1,540 bps
Share Growth (YoY)1.55%4.15%1.70%2.04%15.89%+1,435 bps
Asset Quality
Delinquent Loans / Loans1.66%0.41%0.24%0.21%0.56%-111 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.15%0.24%0.28%0.24%0.25%+10 bps
Capital
Risk-Based Capital14.04%13.92%14.05%14.20%7.37%-667 bps
Net Worth / Assets14.04%13.92%14.05%14.20%7.37%-667 bps
Liquidity & Funding
Loans / Shares75.03%74.45%71.90%70.92%62.29%-1,274 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps