Bridgeport, CT · Charter 16766
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.
Bridgeport, CT · Charter 16766
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 | 2.91% | 3.26% | 0.12% | -0.09% | -0.50% | -341 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -4.01% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.07% | 2.25% | 2.49% | n/a | |
| Efficiency Ratio | n/a | n/a | 96.25% | 103.62% | 119.66% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.94% | -16.10% | -9.35% | -8.16% | -16.74% | -1,280 bps | |
| Loan Growth (YoY) | -25.12% | -30.96% | -48.41% | -61.68% | -57.25% | -3,213 bps | |
| Share Growth (YoY) | -4.43% | -17.99% | -11.24% | -9.51% | -18.28% | -1,385 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.87% | 7.26% | 10.45% | 7.44% | 4.56% | -432 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.43% | 5.41% | 7.59% | 10.67% | 9.92% | +549 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.51% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.51% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.53% | 21.55% | 16.06% | 11.20% | 13.36% | -1,217 bps | |
| Liquid Assets / Assets | 66.49% | 69.63% | 73.72% | 76.78% | 88.51% | +2,201 bps | |