Hamden, CT · Charter 14976
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Hamden, CT · Charter 14976
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.09% | 0.54% | -7.01% | -5.47% | 0.03% | +212 bps | |
| Return on Equity | -30.22% | 7.28% | -284% | -221% | 1.27% | +3,150 bps | |
| Net Interest Margin | 5.32% | 4.93% | 5.99% | 6.12% | 5.09% | -23 bps | |
| Efficiency Ratio | 80.25% | 76.29% | 78.87% | 84.75% | 97.08% | +1,683 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.09% | 1.28% | -7.72% | -5.78% | -3.23% | -214 bps | |
| Loan Growth (YoY) | -10.43% | -5.38% | -11.88% | -15.09% | -21.43% | -1,100 bps | |
| Share Growth (YoY) | -0.16% | 1.00% | -3.14% | -0.52% | 1.63% | +179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.13% | 6.97% | 3.93% | 3.85% | 2.98% | -616 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.77% | 2.16% | 2.45% | 2.20% | +168 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.93% | 7.46% | 2.47% | 2.47% | 2.37% | -456 bps | |
| Net Worth / Assets | 6.93% | 7.46% | 2.47% | 2.47% | 2.37% | -456 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.05% | 73.05% | 66.66% | 64.58% | 56.47% | -1,657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |