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American Mutual

Bloomfield, CT · Charter 60938

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

American Mutual

Bloomfield, CT · Charter 60938

Q4 2009

$100KAssets
$105KLoans
$63KShares
$33KNet 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 -51.58%, down 2,035 bps year over year; NIM at 16.19%.
  • Asset quality: problem loans at 21.56% of loans (-2,427 bps YoY).
  • Capital: net worth / assets of 33.35%, down 1,376 bps from a year ago.
  • Funding: loans stand at 168.13% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-51.58%-2,035 bps YoY

Net Interest Margin (YTD, annualized)

16.19%+522 bps YoY

Efficiency Ratio (YTD, annualized)

128.32%+2,942 bps YoY

Net Worth / Assets

33.35%-1,376 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-31.23%-8.75%-11.39%-1.89%-51.58%-2,035 bps
Return on Equity-66.30%-17.46%-23.76%-3.54%-154.67%-8,838 bps
Net Interest Margin10.98%1.49%7.28%11.69%16.19%+522 bps
Efficiency Ratio98.90%300%134.14%104.61%128.32%+2,942 bps
Growth
Asset Growth (YoY)-28.04%-31.56%-33.69%-35.35%-44.53%-1,649 bps
Loan Growth (YoY)-7.22%-38.57%-40.52%-42.29%-48.45%-4,123 bps
Share Growth (YoY)-13.19%-18.48%-18.51%-26.22%-26.86%-1,368 bps
Asset Quality
Delinquent Loans / Loans45.82%25.46%22.78%20.23%21.56%-2,427 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans32.15%7.82%15.47%15.36%59.91%+2,775 bps
Capital
Risk-Based Capital47.11%50.10%47.93%53.33%33.35%-1,376 bps
Net Worth / Assets47.11%50.10%47.93%53.33%33.35%-1,376 bps
Liquidity & Funding
Loans / Shares239%173.54%169.76%190.12%168.13%-7,041 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps