Waterbury, CT · Charter 17255
Q2 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.54% | 2.93% | 2.56% | 0.67% | 0.14% | -240 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 | 3.73% | 3.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 82.49% | 95.92% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.84% | -5.76% | 2.78% | -1.54% | 11.30% | +1,214 bps | |
| Loan Growth (YoY) | 20.07% | 15.19% | 9.37% | 1.91% | 10.34% | -973 bps | |
| Share Growth (YoY) | -1.88% | -4.77% | 2.08% | 5.51% | 11.45% | +1,334 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.47% | 4.39% | 6.00% | 3.47% | 6.68% | +221 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.00% | 9.15% | 8.62% | 7.50% | 9.65% | -135 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 | 35.70% | 39.90% | 37.39% | 41.48% | 35.34% | -36 bps | |
| Liquid Assets / Assets | 61.56% | 55.11% | 59.44% | 56.82% | 49.87% | -1,169 bps | |