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Holy Infant

Ballwin, MO · Charter 64210

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

Holy Infant

Ballwin, MO · Charter 64210

Q1 2010

$312KAssets
$242KLoans
$261KShares
$51KNet 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 -1.56%, down 146 bps year over year; NIM at 5.56%.
  • Asset quality: problem loans at 0.00% of loans (-1,516 bps YoY).
  • Capital: net worth / assets of 16.24%, up 339 bps from a year ago.
  • Funding: loans stand at 92.72% of shares as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.56%-146 bps YoY

Net Interest Margin (YTD, annualized)

5.56%+146 bps YoY

Efficiency Ratio (YTD, annualized)

128.08%+2,561 bps YoY

Net Worth / Assets

16.24%+339 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-0.10%-0.31%-0.36%-2.82%-1.56%-146 bps
Return on Equity-0.80%-2.37%-2.42%-22.43%-9.61%-882 bps
Net Interest Margin4.10%3.88%4.51%4.61%5.56%+146 bps
Efficiency Ratio102.47%107.86%107.95%109.81%128.08%+2,561 bps
Growth
Asset Growth (YoY)6.13%-4.84%-15.82%-18.38%-38.23%-4,436 bps
Loan Growth (YoY)-10.48%-9.40%-14.78%-24.31%-27.52%-1,703 bps
Share Growth (YoY)6.42%-5.98%-17.63%-18.03%-40.61%-4,703 bps
Asset Quality
Delinquent Loans / Loans15.16%19.00%15.82%17.26%0.00%-1,516 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.22%3.74%4.22%7.46%7.73%+451 bps
Capital
Risk-Based Capital12.85%12.96%14.86%12.55%16.24%+339 bps
Net Worth / Assets12.85%12.96%14.86%12.55%16.24%+339 bps
Liquidity & Funding
Loans / Shares75.97%71.27%76.79%68.19%92.72%+1,675 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps