PackageTrendsPeer
Letter portraitLegal landscape

Sta-Rite Employees

Delavan, WI · Charter 66741

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

Sta-Rite Employees

Delavan, WI · Charter 66741

Q4 2009

$1.2MAssets
$508KLoans
$867KShares
$329KNet 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 -2.76%, down 250 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.42% of loans (-253 bps YoY).
  • Capital: net worth / assets of 27.06%, down 340 bps from a year ago.
  • Funding: loans stand at 58.53% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-2.76%-250 bps YoY

Net Interest Margin (YTD, annualized)

3.18%-203 bps YoY

Efficiency Ratio (YTD, annualized)

123.61%+2,584 bps YoY

Net Worth / Assets

27.06%-340 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-0.27%-6.81%-2.68%-2.82%-2.76%-250 bps
Return on Equity-0.88%-25.75%-10.15%-10.92%-10.21%-933 bps
Net Interest Margin5.21%3.51%3.12%3.06%3.18%-203 bps
Efficiency Ratio97.77%164.96%106.69%110.36%123.61%+2,584 bps
Growth
Asset Growth (YoY)-4.41%-6.31%-8.24%-8.84%2.15%+656 bps
Loan Growth (YoY)-30.25%-30.40%-27.49%-30.63%-31.81%-156 bps
Share Growth (YoY)-5.30%-8.67%-9.02%-8.97%5.24%+1,054 bps
Asset Quality
Delinquent Loans / Loans2.95%2.66%2.75%0.44%0.42%-253 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.88%2.00%2.59%1.56%1.48%-139 bps
Capital
Risk-Based Capital30.47%26.46%26.42%25.82%27.06%-340 bps
Net Worth / Assets30.47%26.46%26.42%25.82%27.06%-340 bps
Liquidity & Funding
Loans / Shares90.33%67.79%64.45%55.78%58.53%-3,180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps