Norwich, CT · Charter 15150
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.05% | 0.44% | 0.29% | 0.65% | 0.92% | -213 bps | |
| Return on Equity | n/a | n/a | n/a | 6.18% | 9.39% | n/a | |
| Net Interest Margin | n/a | 3.84% | 4.08% | 4.65% | 3.77% | n/a | |
| Efficiency Ratio | n/a | 83.61% | 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 / Loans | 0.60% | 0.15% | 0.46% | 0.48% | 0.52% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.54% | 0.65% | 0.76% | 0.75% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 10.44% | 9.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 10.44% | 9.77% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.18% | 71.41% | 73.17% | 80.20% | 65.10% | -408 bps | |
| Liquid Assets / Assets | 30.52% | 19.64% | 17.55% | 21.66% | 34.93% | +441 bps | |