PackageTrendsPeer
Letter portraitLegal landscape

Holy Trinity Church of Bedford HTS.

Bedford Hts., OH · Charter 20966

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

Holy Trinity Church of Bedford HTS.

Bedford Hts., OH · Charter 20966

Q3 2009

$322KAssets
$114KLoans
$229KShares
$91KNet 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 -40.04%, down 3,975 bps year over year; NIM at -34.04%.
  • Asset quality: problem loans at 0.00% of loans (-273 bps YoY).
  • Capital: net worth / assets of 28.26%, down 2,030 bps from a year ago.
  • Funding: loans stand at 49.63% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-40.04%-3,975 bps YoY

Net Interest Margin (YTD, annualized)

-34.04%-3,784 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

28.26%-2,030 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-0.29%-0.50%-0.91%-0.80%-40.04%-3,975 bps
Return on Equity-0.60%-1.02%-1.88%-1.56%-141.71%-14,110 bps
Net Interest Margin3.80%3.69%3.42%3.68%-34.04%-3,784 bps
Efficiency Ratio107.47%113.19%125.78%94.91%n/an/a
Growth
Asset Growth (YoY)-20.83%-14.99%-14.17%-14.93%-17.17%+366 bps
Loan Growth (YoY)-14.93%-26.03%-14.87%-27.81%2.16%+1,709 bps
Share Growth (YoY)-33.83%-25.30%-23.47%-25.86%15.27%+4,910 bps
Asset Quality
Delinquent Loans / Loans2.73%0.00%0.00%0.00%0.00%-273 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.64%1.81%1.66%1.78%1.60%-3 bps
Capital
Risk-Based Capital48.55%49.27%48.19%50.81%28.26%-2,030 bps
Net Worth / Assets48.55%49.27%48.19%50.81%28.26%-2,030 bps
Liquidity & Funding
Loans / Shares56.00%52.24%54.81%57.27%49.63%-637 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps