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Borinquen

Philadelphia, PA · Charter 21677

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, 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

Borinquen

Philadelphia, PA · Charter 21677

Q2 2011

$5.2MAssets
$3.4MLoans
$6.2MShares
$-1017KNet 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 -80.00%, down 7,886 bps year over year; NIM at 5.94%.
  • Asset quality: problem loans at 15.96% of loans (+1,149 bps YoY).
  • Capital: net worth / assets of -19.50%, down 3,447 bps from a year ago.
  • Funding: loans stand at 54.61% of shares as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-80.00%-7,886 bps YoY

Net Interest Margin (YTD, annualized)

5.94%+220 bps YoY

Efficiency Ratio (YTD, annualized)

888%+78,075 bps YoY

Net Worth / Assets

-19.50%-3,447 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-1.13%0.26%1.34%-0.51%-80.00%-7,886 bps
Return on Equity-7.58%1.88%8.32%-3.37%n/an/a
Net Interest Margin3.73%3.18%4.27%4.61%5.94%+220 bps
Efficiency Ratio106.97%82.46%65.63%76.27%888%+78,075 bps
Growth
Asset Growth (YoY)-9.67%-2.76%-6.70%-0.83%-25.13%-1,546 bps
Loan Growth (YoY)5.51%13.74%21.65%11.89%7.15%+165 bps
Share Growth (YoY)-11.08%-3.10%-9.52%-5.33%6.02%+1,710 bps
Asset Quality
Delinquent Loans / Loans4.47%5.41%6.44%7.51%15.96%+1,149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%2.30%2.04%1.97%4.23%+191 bps
Capital
Risk-Based Capital14.97%13.73%16.16%15.12%-19.50%-3,447 bps
Net Worth / Assets14.97%13.73%16.16%15.12%-19.50%-3,447 bps
Liquidity & Funding
Loans / Shares54.03%49.12%61.73%59.77%54.61%+58 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps