PackageTrendsPeer
Letter portraitLegal landscape

Bradford Onized

Bradford, PA · Charter 3651

Q4 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: Q4 2009, the quarter ended December 31, 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

Bradford Onized

Bradford, PA · Charter 3651

Q4 2009

$777KAssets
$211KLoans
$379KShares
$394KNet Worth

Executive Summary

  • Earnings: ROA of -1.15%, down 82 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 0.00% of loans (-500 bps YoY).
  • Capital: net worth / assets of 50.74%, down 125 bps from a year ago.
  • Funding: loans stand at 55.81% of shares as of Q4 2009.

Return on Assets (YTD, annualized)

-1.15%-82 bps YoY

Net Interest Margin (YTD, annualized)

1.61%-112 bps YoY

Efficiency Ratio (YTD, annualized)

170.46%+5,864 bps YoY

Net Worth / Assets

50.74%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets2.28%0.22%0.36%-0.33%0.53%-0.21%-0.33%-1.15%-82 bps
Return on Equity4.50%0.44%0.74%-0.63%1.07%-0.44%-0.70%-2.26%-163 bps
Net Interest Margin4.95%3.22%3.18%2.73%2.60%2.12%2.10%1.61%-112 bps
Efficiency Ratio54.55%93.24%88.81%111.82%79.81%109.92%115.84%170.46%+5,864 bps
Growth
Asset Growth (YoY)-1.21%-2.74%0.53%-0.95%1.72%2.87%1.27%0.19%+114 bps
Loan Growth (YoY)-7.74%-8.66%-6.33%-5.33%-23.25%-18.83%-22.75%-19.51%-1,418 bps
Share Growth (YoY)-2.48%-4.65%0.89%-0.98%5.40%7.83%4.08%3.05%+403 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%3.56%5.00%5.27%4.47%1.95%0.00%-500 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.69%0.71%0.75%0.84%0.82%0.92%0.02%-73 bps
Capital
Risk-Based Capital50.70%50.50%48.95%51.99%49.10%48.57%47.51%50.74%-125 bps
Net Worth / Assets50.70%50.50%48.95%51.99%49.10%48.57%47.51%50.74%-125 bps
Liquidity & Funding
Loans / Shares76.59%74.84%65.09%71.45%55.77%56.33%48.31%55.81%-1,565 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps