PackageTrendsPeer
Letter portraitLegal landscape

St. Boniface Parish

West Haven, CT · Charter 37

Q1 2010

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: Q1 2010, the quarter ended March 31, 2010, 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

St. Boniface Parish

West Haven, CT · Charter 37

Q1 2010

$312KAssets
$39KLoans
$248KShares
$64KNet 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 -30.20%, down 2,855 bps year over year; NIM at 1.25%.
  • Asset quality: problem loans at 0.00% of loans (-4,446 bps YoY).
  • Capital: net worth / assets of 20.36%, down 63 bps from a year ago.
  • Funding: loans stand at 15.57% of shares as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-30.20%-2,855 bps YoY

Net Interest Margin (YTD, annualized)

1.25%-8 bps YoY

Efficiency Ratio (YTD, annualized)

479%+25,540 bps YoY

Net Worth / Assets

20.36%-63 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-1.65%-0.95%-2.16%-1.47%-30.20%-2,855 bps
Return on Equity-7.86%-4.12%-9.71%-6.35%-148.34%-14,048 bps
Net Interest Margin1.34%1.35%1.45%1.37%1.25%-8 bps
Efficiency Ratio223%170.68%249%207%479%+25,540 bps
Growth
Asset Growth (YoY)-8.78%-14.33%-16.33%-15.49%-29.99%-2,121 bps
Loan Growth (YoY)-8.10%-9.33%-2.42%-33.68%-45.37%-3,727 bps
Share Growth (YoY)-11.37%-17.99%-18.69%-17.32%-29.44%-1,807 bps
Asset Quality
Delinquent Loans / Loans44.46%42.95%38.56%30.89%0.00%-4,446 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.13%15.43%17.48%2.21%52.84%+3,971 bps
Capital
Risk-Based Capital20.99%23.16%22.29%23.15%20.36%-63 bps
Net Worth / Assets20.99%23.16%22.29%23.15%20.36%-63 bps
Liquidity & Funding
Loans / Shares20.11%21.27%20.98%17.20%15.57%-454 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps