Danbury, CT · Charter 15404
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Danbury, CT · Charter 15404
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.51% | 3.20% | 0.47% | 0.00% | 0.01% | -350 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.08% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.40% | 4.52% | 4.66% | n/a | |
| Efficiency Ratio | n/a | n/a | 86.63% | 92.68% | 95.76% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 12.71% | 13.84% | 10.05% | 2.25% | -2.47% | -1,517 bps | |
| Loan Growth (YoY) | -1.47% | -7.48% | -13.56% | -14.08% | -8.74% | -727 bps | |
| Share Growth (YoY) | 12.50% | 13.41% | 9.18% | 2.08% | -3.71% | -1,620 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 0.78% | 1.56% | 1.53% | 2.06% | +100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 0.87% | 0.90% | 1.08% | 0.94% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 9.38% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 9.38% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.70% | 55.60% | 57.17% | 55.30% | 58.47% | -323 bps | |
| Liquid Assets / Assets | 29.61% | 36.65% | 26.01% | 22.91% | 26.10% | -351 bps | |