PackageTrendsPeer
Letter portraitLegal landscape

Rouge Employees

Dearborn, MI · Charter 61943

Q1 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: Q1 2009, the quarter ended March 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

Rouge Employees

Dearborn, MI · Charter 61943

Q1 2009

$22.9MAssets
$5.6MLoans
$21.2MShares
$268KNet 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 -14.60%, down 1,237 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 16.91% of loans (+191 bps YoY).
  • Capital: net worth / assets of 1.17%, down 780 bps from a year ago.
  • Funding: loans stand at 26.25% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-14.60%-1,237 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-134 bps YoY

Efficiency Ratio (YTD, annualized)

131.12%-282 bps YoY

Net Worth / Assets

1.17%-780 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-2.24%-3.02%-3.96%-5.13%-14.60%-1,237 bps
Return on Equity-24.93%-37.30%-53.27%-96.07%-1246%-122,127 bps
Net Interest Margin4.62%4.32%4.44%4.31%3.28%-134 bps
Efficiency Ratio133.93%125.51%135.96%143.53%131.12%-282 bps
Growth
Asset Growth (YoY)-21.32%-16.43%-13.18%-12.85%-12.71%+861 bps
Loan Growth (YoY)-36.63%-34.69%-35.02%-35.31%-36.27%+36 bps
Share Growth (YoY)-19.85%-14.50%-10.24%-9.62%-7.92%+1,193 bps
Asset Quality
Delinquent Loans / Loans15.00%15.21%19.45%25.00%16.91%+191 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.55%9.57%9.08%12.95%22.96%+1,541 bps
Capital
Risk-Based Capital8.98%8.09%7.43%5.34%1.17%-780 bps
Net Worth / Assets8.98%8.09%7.43%5.34%1.17%-780 bps
Liquidity & Funding
Loans / Shares37.92%34.70%33.72%30.01%26.25%-1,168 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps