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Norwich, Conn.

Norwich, CT · Charter 15150

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

Norwich, Conn.

Norwich, CT · Charter 15150

Q2 2001

$5.2MAssets
$3.0MLoans
$4.6MShares
$504KNet 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 0.92%, down 213 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.52% of loans (-8 bps YoY).
  • Capital: net worth / assets of 9.77%.
  • Funding: loans stand at 65.10% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.92%-213 bps YoY

Net Interest Margin (YTD, annualized)

3.77%

Efficiency Ratio (YTD, annualized)

79.08%

Net Worth / Assets

9.77%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.05%0.44%0.29%0.65%0.92%-213 bps
Return on Equityn/an/an/a6.18%9.39%n/a
Net Interest Marginn/a3.84%4.08%4.65%3.77%n/a
Efficiency Ration/a83.61%84.09%80.42%79.08%n/a
Growth
Asset Growth (YoY)10.52%6.80%12.84%5.97%11.21%+68 bps
Loan Growth (YoY)5.77%11.46%18.36%14.47%4.51%-125 bps
Share Growth (YoY)10.80%6.52%12.93%4.76%11.07%+27 bps
Asset Quality
Delinquent Loans / Loans0.60%0.15%0.46%0.48%0.52%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.54%0.65%0.76%0.75%+2 bps
Capital
Risk-Based Capitaln/an/an/a10.44%9.77%n/a
Net Worth / Assetsn/an/an/a10.44%9.77%n/a
Liquidity & Funding
Loans / Shares69.18%71.41%73.17%80.20%65.10%-408 bps
Liquid Assets / Assets30.52%19.64%17.55%21.66%34.93%+441 bps