PackageTrendsPeer
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Jordan Mutual Benefit Association

West Hartford, CT · Charter 62639

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

Jordan Mutual Benefit Association

West Hartford, CT · Charter 62639

Q4 2009

$130KAssets
$83KLoans
$73KShares
$53KNet 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 -12.31%, up 3,492 bps year over year; NIM at 12.52%.
  • Asset quality: problem loans at 16.03% of loans (-2,783 bps YoY).
  • Capital: net worth / assets of 41.09%, up 291 bps from a year ago.
  • Funding: loans stand at 113.17% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-12.31%+3,492 bps YoY

Net Interest Margin (YTD, annualized)

12.52%+33 bps YoY

Efficiency Ratio (YTD, annualized)

122.90%+230 bps YoY

Net Worth / Assets

41.09%+291 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-47.23%-7.15%-5.57%-7.20%-12.31%+3,492 bps
Return on Equity-123.70%-17.14%-14.22%-17.10%-29.96%+9,373 bps
Net Interest Margin12.19%10.65%7.40%12.51%12.52%+33 bps
Efficiency Ratio120.60%150.60%191.97%124.01%122.90%+230 bps
Growth
Asset Growth (YoY)-34.35%-44.27%-41.77%-46.15%-28.50%+585 bps
Loan Growth (YoY)21.66%-37.62%-43.41%-51.24%-61.71%-8,337 bps
Share Growth (YoY)-9.96%-30.91%-25.78%-26.25%-27.46%-1,750 bps
Asset Quality
Delinquent Loans / Loans43.86%15.49%20.82%22.76%16.03%-2,783 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans41.78%13.09%14.98%18.39%31.79%-999 bps
Capital
Risk-Based Capital38.18%41.70%39.19%42.11%41.09%+291 bps
Net Worth / Assets38.18%41.70%39.19%42.11%41.09%+291 bps
Liquidity & Funding
Loans / Shares214%202%157.88%161.12%113.17%-10,125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps