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Straub Employees

Honolulu, HI · Charter 17144

Q3 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: Q3 2009, the quarter ended September 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

Straub Employees

Honolulu, HI · Charter 17144

Q3 2009

$7.3MAssets
$4.2MLoans
$6.5MShares
$740KNet Worth

Executive Summary

  • Earnings: ROA of -2.35%, down 248 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.17% of loans (-45 bps YoY).
  • Capital: net worth / assets of 10.16%, down 159 bps from a year ago.
  • Funding: loans stand at 65.24% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

-2.35%-248 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-118 bps YoY

Efficiency Ratio (YTD, annualized)

140.59%+4,459 bps YoY

Net Worth / Assets

10.16%-159 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.64%0.29%0.01%0.13%0.17%-6.04%-1.61%-2.35%-248 bps
Return on Equity5.70%2.58%0.12%1.15%1.38%-59.36%-15.21%-23.08%-2,423 bps
Net Interest Margin4.76%4.40%4.35%4.48%4.52%3.69%3.39%3.30%-118 bps
Efficiency Ratio85.88%95.79%99.81%96.00%97.49%273%112.74%140.59%+4,459 bps
Growth
Asset Growth (YoY)-7.90%-11.84%-11.57%-16.47%-6.32%-2.44%1.96%5.04%+2,151 bps
Loan Growth (YoY)-17.32%-15.21%-21.90%-12.22%-10.58%-12.95%-14.19%-10.35%+187 bps
Share Growth (YoY)-9.94%-14.08%-13.01%-18.59%-7.58%-1.73%3.32%7.26%+2,585 bps
Asset Quality
Delinquent Loans / Loans0.38%0.41%0.60%0.62%0.10%0.13%0.00%0.17%-45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.24%0.20%0.09%0.16%0.11%0.14%0.12%0.11%-4 bps
Capital
Risk-Based Capital11.18%11.32%11.47%11.75%12.10%10.18%10.59%10.16%-159 bps
Net Worth / Assets11.18%11.32%11.47%11.75%12.10%10.18%10.59%10.16%-159 bps
Liquidity & Funding
Loans / Shares80.77%81.70%78.60%78.05%78.15%72.37%65.28%65.24%-1,281 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps