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Atlanta, GA · Charter 67361

Q2 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: Q2 2009, the quarter ended June 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

Constar

Atlanta, GA · Charter 67361

Q2 2009

$923KAssets
$688KLoans
$711KShares
$208KNet 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 -10.87%, down 1,029 bps year over year; NIM at 5.45%.
  • Asset quality: problem loans at 1.68% of loans (-147 bps YoY).
  • Capital: net worth / assets of 22.54%, down 20 bps from a year ago.
  • Funding: loans stand at 96.78% of shares as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-10.87%-1,029 bps YoY

Net Interest Margin (YTD, annualized)

5.45%-83 bps YoY

Efficiency Ratio (YTD, annualized)

206%+10,021 bps YoY

Net Worth / Assets

22.54%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.58%-0.52%-0.88%-6.30%-10.87%-1,029 bps
Return on Equity-2.55%-2.18%-3.27%-23.58%-48.21%-4,566 bps
Net Interest Margin6.29%6.45%7.05%5.43%5.45%-83 bps
Efficiency Ratio106.12%105.19%107.84%138.99%206%+10,021 bps
Growth
Asset Growth (YoY)-10.28%-16.46%-12.57%-18.46%-20.28%-1,000 bps
Loan Growth (YoY)-2.07%-5.11%-19.63%-16.68%-18.78%-1,671 bps
Share Growth (YoY)-13.31%-20.49%-15.62%-21.99%-20.31%-700 bps
Asset Quality
Delinquent Loans / Loans3.15%2.87%3.14%2.73%1.68%-147 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.58%2.64%2.55%2.34%1.39%-119 bps
Capital
Risk-Based Capital22.74%23.89%27.01%26.73%22.54%-20 bps
Net Worth / Assets22.74%23.89%27.01%26.73%22.54%-20 bps
Liquidity & Funding
Loans / Shares94.95%95.95%105.06%102.71%96.78%+183 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps