Milford, CT · Charter 14719
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Milford, CT · Charter 14719
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.17% | 1.70% | 1.78% | -0.76% | -0.52% | -269 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -20.61% | -23.56% | -21.02% | -13.00% | -8.78% | +1,183 bps | |
| Loan Growth (YoY) | 6.53% | -4.18% | -22.75% | -42.26% | -43.27% | -4,979 bps | |
| Share Growth (YoY) | -23.02% | -27.02% | -23.72% | -14.37% | -10.57% | +1,244 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 1.00% | 1.97% | 1.65% | 0.69% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 1.05% | 1.22% | 1.38% | 0.72% | -25 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.76% | 82.30% | 77.97% | 58.49% | 56.31% | -3,245 bps | |
| Liquid Assets / Assets | 5.50% | 18.32% | 20.29% | 24.47% | 32.72% | +2,722 bps | |