Manchester, CT · Charter 16765
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.26% | -4.70% | -3.99% | -6.55% | -3.17% | -91 bps | |
| Return on Equity | -10.12% | -19.33% | -16.71% | -28.26% | -13.09% | -298 bps | |
| Net Interest Margin | 8.22% | 9.50% | 9.13% | 10.00% | 8.23% | +1 bps | |
| Efficiency Ratio | 102.58% | 117.74% | 115.05% | 135.84% | 119.88% | +1,729 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.60% | -23.13% | -17.85% | -20.38% | -22.16% | -1,456 bps | |
| Loan Growth (YoY) | -15.20% | -22.02% | -20.96% | -17.30% | -19.65% | -445 bps | |
| Share Growth (YoY) | -3.62% | -20.14% | -19.30% | -22.12% | -25.21% | -2,158 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.52% | 5.75% | 4.31% | 6.56% | 3.36% | -116 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 2.58% | 2.00% | 3.04% | 0.00% | -127 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.30% | 24.34% | 23.88% | 23.16% | 24.21% | +190 bps | |
| Net Worth / Assets | 22.30% | 24.34% | 23.88% | 23.16% | 24.21% | +190 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.15% | 129.12% | 116.38% | 118.42% | 117.26% | +811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |