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Sweetheart

Dallas, TX · Charter 19591

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

Sweetheart

Dallas, TX · Charter 19591

Q3 2009

$967KAssets
$470KLoans
$694KShares
$271KNet 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 -1.09%, up 1,043 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 3.28% of loans (-265 bps YoY).
  • Capital: net worth / assets of 28.06%, up 83 bps from a year ago.
  • Funding: loans stand at 67.69% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-1.09%+1,043 bps YoY

Net Interest Margin (YTD, annualized)

4.71%-71 bps YoY

Efficiency Ratio (YTD, annualized)

107.06%+2,053 bps YoY

Net Worth / Assets

28.06%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-11.52%-9.41%-0.70%0.45%-1.09%+1,043 bps
Return on Equity-42.29%-32.20%-2.42%1.68%-3.89%+3,840 bps
Net Interest Margin5.42%5.61%6.29%5.28%4.71%-71 bps
Efficiency Ratio86.53%91.33%55.08%91.75%107.06%+2,053 bps
Growth
Asset Growth (YoY)-19.18%-18.35%17.08%-3.83%-4.18%+1,500 bps
Loan Growth (YoY)-22.67%-23.15%10.70%-26.41%-19.33%+334 bps
Share Growth (YoY)-16.89%-15.54%11.36%-4.02%-5.33%+1,156 bps
Asset Quality
Delinquent Loans / Loans5.92%5.95%6.05%5.20%3.28%-265 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.04%11.26%2.60%6.10%5.23%-581 bps
Capital
Risk-Based Capital27.24%29.22%29.13%26.77%28.06%+83 bps
Net Worth / Assets27.24%29.22%29.13%26.77%28.06%+83 bps
Liquidity & Funding
Loans / Shares79.44%83.19%85.38%62.50%67.69%-1,175 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps