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Norbel

Greeley, CO · Charter 64207

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

Norbel

Greeley, CO · Charter 64207

Q1 2010

$120.0MAssets
$108.3MLoans
$117.3MShares
$1.7MNet 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 -32.75%, down 3,138 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 7.25% of loans (+473 bps YoY).
  • Capital: net worth / assets of 1.38%, down 837 bps from a year ago.
  • Funding: loans stand at 92.40% of shares as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-32.75%-3,138 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+60 bps YoY

Efficiency Ratio (YTD, annualized)

76.29%+309 bps YoY

Net Worth / Assets

1.38%-837 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-1.36%0.97%0.25%-0.86%-32.75%-3,138 bps
Return on Equity-13.98%9.39%2.50%-9.67%-2367%-235,303 bps
Net Interest Margin3.86%3.98%4.18%4.11%4.45%+60 bps
Efficiency Ratio73.20%72.85%67.04%74.81%76.29%+309 bps
Growth
Asset Growth (YoY)16.17%16.83%16.98%11.99%-3.85%-2,003 bps
Loan Growth (YoY)26.04%29.38%32.00%26.97%13.95%-1,209 bps
Share Growth (YoY)15.75%18.26%18.77%15.24%6.80%-896 bps
Asset Quality
Delinquent Loans / Loans2.52%4.44%2.44%6.12%7.25%+473 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.79%1.82%2.38%2.83%11.98%+1,019 bps
Capital
Risk-Based Capital9.75%10.36%10.04%8.90%1.38%-837 bps
Net Worth / Assets9.75%10.36%10.04%8.90%1.38%-837 bps
Liquidity & Funding
Loans / Shares86.60%89.34%94.06%93.79%92.40%+580 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps