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Market Basket

Nederland, TX · Charter 24241

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

Market Basket

Nederland, TX · Charter 24241

Q3 2009

$2.0MAssets
$1.2MLoans
$1.6MShares
$365KNet 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 0.62%, up 28 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.70% of loans (+24 bps YoY).
  • Capital: net worth / assets of 18.20%, down 67 bps from a year ago.
  • Funding: loans stand at 71.44% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

0.62%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.85%-22 bps YoY

Efficiency Ratio (YTD, annualized)

74.97%-1,718 bps YoY

Net Worth / Assets

18.20%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.34%0.23%-1.48%-0.46%0.62%+28 bps
Return on Equity1.80%1.24%-8.16%-2.62%3.40%+160 bps
Net Interest Margin5.07%4.98%5.17%5.03%4.85%-22 bps
Efficiency Ratio92.15%92.24%76.59%99.18%74.97%-1,718 bps
Growth
Asset Growth (YoY)5.84%15.01%10.80%15.07%8.38%+254 bps
Loan Growth (YoY)-3.55%-3.03%-2.16%-1.46%-7.11%-355 bps
Share Growth (YoY)6.47%18.63%13.46%18.88%9.69%+322 bps
Asset Quality
Delinquent Loans / Loans0.46%0.84%0.88%1.06%0.70%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.56%0.64%0.42%0.40%-8 bps
Capital
Risk-Based Capital18.87%18.65%18.08%17.70%18.20%-67 bps
Net Worth / Assets18.87%18.65%18.08%17.70%18.20%-67 bps
Liquidity & Funding
Loans / Shares84.36%80.26%74.51%73.95%71.44%-1,291 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps