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Edina Schools

Edina, MN · Charter 64701

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

Edina Schools

Edina, MN · Charter 64701

Q4 2008

$6.0MAssets
$4.0MLoans
$5.1MShares
$775KNet Worth

Executive Summary

  • Earnings: ROA of -3.00%, down 329 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.05% of loans (-362 bps YoY).
  • Capital: net worth / assets of 12.91%, down 478 bps from a year ago.
  • Funding: loans stand at 79.05% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

-3.00%-329 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-37 bps YoY

Efficiency Ratio (YTD, annualized)

136.60%+5,915 bps YoY

Net Worth / Assets

12.91%-478 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.65%0.51%0.44%0.29%0.22%0.46%0.31%-3.00%-329 bps
Return on Equity3.78%3.08%2.54%1.64%1.28%2.86%1.95%-23.27%-2,491 bps
Net Interest Margin4.26%4.06%4.15%4.18%3.94%4.04%3.68%3.81%-37 bps
Efficiency Ratio80.02%76.38%77.85%77.45%85.00%76.06%82.05%136.60%+5,915 bps
Growth
Asset Growth (YoY)-17.80%-0.68%-0.06%2.42%2.20%4.82%12.08%11.16%+874 bps
Loan Growth (YoY)-0.73%-0.38%-1.27%-1.29%2.06%-0.49%5.13%2.15%+344 bps
Share Growth (YoY)-22.04%-1.99%-0.71%2.17%2.09%5.22%14.44%17.98%+1,581 bps
Asset Quality
Delinquent Loans / Loans0.48%0.74%5.12%3.68%4.14%3.58%3.44%0.05%-362 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.72%0.97%1.16%0.38%0.50%0.77%0.76%0.39%+2 bps
Capital
Risk-Based Capital17.22%16.71%17.39%17.68%17.02%16.19%16.00%12.91%-478 bps
Net Worth / Assets17.22%16.71%17.39%17.68%17.02%16.19%16.00%12.91%-478 bps
Liquidity & Funding
Loans / Shares88.69%86.26%91.44%91.30%88.66%81.57%84.00%79.05%-1,225 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps