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Realtors

Minneapolis, MN · Charter 61015

Q4 2008

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 2008, the quarter ended December 31, 2008, 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

Realtors

Minneapolis, MN · Charter 61015

Q4 2008

$29.5MAssets
$27.9MLoans
$22.7MShares
$10KNet 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 -8.13%, down 751 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 6.25% of loans (-71 bps YoY).
  • Capital: net worth / assets of 0.03%, down 789 bps from a year ago.
  • Funding: loans stand at 122.64% of shares as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-8.13%-751 bps YoY

Net Interest Margin (YTD, annualized)

4.51%-142 bps YoY

Efficiency Ratio (YTD, annualized)

95.90%+1,247 bps YoY

Net Worth / Assets

0.03%-789 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets-0.62%-4.07%-4.12%-5.58%-8.13%-751 bps
Return on Equity-7.80%-55.85%-63.64%-134.47%-24021%-2,401,336 bps
Net Interest Margin5.93%4.32%4.54%4.55%4.51%-142 bps
Efficiency Ratio83.43%102.24%103.35%96.65%95.90%+1,247 bps
Growth
Asset Growth (YoY)-5.52%-7.95%-6.47%0.29%-2.99%+254 bps
Loan Growth (YoY)-14.08%-12.94%-9.21%0.38%7.23%+2,130 bps
Share Growth (YoY)-4.81%-1.48%-0.02%-9.88%-17.98%-1,318 bps
Asset Quality
Delinquent Loans / Loans6.96%10.02%8.69%6.78%6.25%-71 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.87%0.77%1.40%2.29%4.19%+332 bps
Capital
Risk-Based Capital7.92%7.29%6.47%4.15%0.03%-789 bps
Net Worth / Assets7.92%7.29%6.47%4.15%0.03%-789 bps
Liquidity & Funding
Loans / Shares93.80%97.17%98.67%116.48%122.64%+2,883 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps