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Holy Redeemer

Milwaukee, WI · Charter 66772

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

Holy Redeemer

Milwaukee, WI · Charter 66772

Q4 2009

$295KAssets
$168KLoans
$247KShares
$47KNet 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 -7.66%, down 661 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 4.13% of loans (-1,797 bps YoY).
  • Capital: net worth / assets of 15.95%, down 483 bps from a year ago.
  • Funding: loans stand at 67.73% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-7.66%-661 bps YoY

Net Interest Margin (YTD, annualized)

3.48%-79 bps YoY

Efficiency Ratio (YTD, annualized)

184.78%+6,047 bps YoY

Net Worth / Assets

15.95%-483 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.05%-1.36%-23.66%-7.26%-7.66%-661 bps
Return on Equity-5.07%-6.14%-133.43%-41.26%-48.02%-4,295 bps
Net Interest Margin4.26%4.71%4.83%4.99%3.48%-79 bps
Efficiency Ratio124.31%128.34%411%126.37%184.78%+6,047 bps
Growth
Asset Growth (YoY)-3.34%-10.07%-12.39%-11.61%-12.00%-866 bps
Loan Growth (YoY)5.20%0.48%7.22%-21.79%-26.24%-3,144 bps
Share Growth (YoY)-2.80%-11.32%-9.10%-7.68%-6.49%-369 bps
Asset Quality
Delinquent Loans / Loans22.10%15.22%14.40%9.16%4.13%-1,797 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.22%2.35%8.35%3.01%3.28%+106 bps
Capital
Risk-Based Capital20.78%22.08%17.73%17.60%15.95%-483 bps
Net Worth / Assets20.78%22.08%17.73%17.60%15.95%-483 bps
Liquidity & Funding
Loans / Shares85.86%88.99%86.20%73.52%67.73%-1,813 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps