Bridgeport, CT · Charter 16434
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 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.
Bridgeport, CT · Charter 16434
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 0.91% | 1.31% | 1.52% | 2.19% | +47 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) | -13.40% | -16.23% | -7.44% | -5.99% | -5.40% | +800 bps | |
| Loan Growth (YoY) | 57.50% | 13.77% | -16.61% | -26.19% | -42.49% | -9,999 bps | |
| Share Growth (YoY) | -15.91% | -17.56% | -6.67% | -5.16% | -4.73% | +1,117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 3.21% | 2.76% | 2.53% | 6.92% | +467 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.80% | 4.46% | 2.49% | 3.60% | 4.66% | +186 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 | 71.51% | 73.81% | 57.05% | 56.25% | 43.17% | -2,834 bps | |
| Liquid Assets / Assets | 29.59% | 31.38% | 41.13% | 44.70% | 52.42% | +2,283 bps | |