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St. Willibrord Parish

So. Holland, IL · Charter 65365

Q3 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: Q3 2009, the quarter ended September 30, 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

St. Willibrord Parish

So. Holland, IL · Charter 65365

Q3 2009

$755KAssets
$447KLoans
$334KShares
$415KNet 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 -2.33%, down 207 bps year over year; NIM at 5.25%.
  • Asset quality: problem loans at 14.30% of loans (-123 bps YoY).
  • Capital: net worth / assets of 54.99%, up 946 bps from a year ago.
  • Funding: loans stand at 133.78% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-2.33%-207 bps YoY

Net Interest Margin (YTD, annualized)

5.25%+89 bps YoY

Efficiency Ratio (YTD, annualized)

122.95%+1,741 bps YoY

Net Worth / Assets

54.99%+946 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-0.25%-3.18%-0.47%0.92%-2.33%-207 bps
Return on Equity-0.56%-7.25%-1.14%2.24%-4.23%-368 bps
Net Interest Margin4.36%4.38%4.26%4.17%5.25%+89 bps
Efficiency Ratio105.54%111.00%76.22%64.98%122.95%+1,741 bps
Growth
Asset Growth (YoY)-1.07%-4.90%3.14%5.33%-24.86%-2,379 bps
Loan Growth (YoY)16.10%4.23%-14.03%-19.87%-15.43%-3,152 bps
Share Growth (YoY)-0.84%-2.89%12.26%13.83%-38.66%-3,782 bps
Asset Quality
Delinquent Loans / Loans15.53%12.30%12.21%18.39%14.30%-123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%6.11%6.65%5.67%5.65%+469 bps
Capital
Risk-Based Capital45.53%43.82%41.02%40.90%54.99%+946 bps
Net Worth / Assets45.53%43.82%41.02%40.90%54.99%+946 bps
Liquidity & Funding
Loans / Shares97.03%93.29%77.29%70.63%133.78%+3,675 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps