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Leblond

Cincinnati, OH · Charter 18291

Q3 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: Q3 2008, the quarter ended September 30, 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

Leblond

Cincinnati, OH · Charter 18291

Q3 2008

$2.1MAssets
$1.6MLoans
$2.1MShares
$0KNet 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 -9.92%, down 1,122 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 3.02% of loans (+118 bps YoY).
  • Capital: net worth / assets of 0.00%, down 1,547 bps from a year ago.
  • Funding: loans stand at 78.82% of shares as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

-9.92%-1,122 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-107 bps YoY

Efficiency Ratio (YTD, annualized)

381%+31,139 bps YoY

Net Worth / Assets

0.00%-1,547 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.29%-0.89%-2.66%-2.96%-9.92%-1,122 bps
Return on Equity8.35%-6.86%-24.58%-27.77%n/an/a
Net Interest Margin4.00%3.53%2.27%3.06%2.93%-107 bps
Efficiency Ratio69.31%116.47%202%150.29%381%+31,139 bps
Growth
Asset Growth (YoY)17.15%27.02%38.46%26.73%-3.44%-2,059 bps
Loan Growth (YoY)49.37%43.60%29.25%22.96%5.53%-4,384 bps
Share Growth (YoY)21.85%34.42%49.60%36.40%12.08%-977 bps
Asset Quality
Delinquent Loans / Loans1.84%2.64%3.38%1.80%3.02%+118 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%0.40%0.58%1.51%8.62%+762 bps
Capital
Risk-Based Capital15.47%12.97%10.83%10.65%0.00%-1,547 bps
Net Worth / Assets15.47%12.97%10.83%10.65%0.00%-1,547 bps
Liquidity & Funding
Loans / Shares83.71%77.89%67.75%72.91%78.82%-489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps