Stratford, CT · Charter 10968
Q2 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.51% | 0.12% | -1.68% | -2.59% | -266 bps | |
| Return on Equity | 0.26% | 1.84% | 0.42% | -5.52% | -20.57% | -2,083 bps | |
| Net Interest Margin | 3.29% | 3.37% | 3.56% | 3.49% | 3.80% | +51 bps | |
| Efficiency Ratio | 100.28% | 101.02% | 102.97% | 144.88% | 150.17% | +4,989 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.25% | -0.16% | -11.32% | -17.05% | -20.62% | -2,786 bps | |
| Loan Growth (YoY) | 20.12% | -9.77% | -20.99% | -19.49% | -51.75% | -7,187 bps | |
| Share Growth (YoY) | 10.57% | -0.14% | -15.36% | -22.53% | -6.98% | -1,755 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.39% | 1.10% | 1.20% | 7.94% | +749 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.18% | 0.33% | 0.39% | 0.00% | -96 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.80% | 27.68% | 29.11% | 30.36% | 12.61% | -1,420 bps | |
| Net Worth / Assets | 26.80% | 27.68% | 29.11% | 30.36% | 12.61% | -1,420 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.82% | 52.85% | 52.18% | 53.58% | 27.92% | -2,590 bps | |
| Liquid Assets / Assets | 57.14% | 58.25% | 59.54% | 59.44% | 72.59% | +1,546 bps | |