PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Buell Industries Employees

Waterbury, CT · Charter 17255

Q2 2000

$694KAssets
$215KLoans
$608KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.14%, down 240 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 6.68% of loans (+221 bps YoY).
  • Funding: loans stand at 35.34% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.14%-240 bps YoY

Net Interest Margin (quarter, annualized)

3.40%

Efficiency Ratio (quarter, annualized)

95.92%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.54%2.93%2.56%0.67%0.14%-240 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.73%3.40%n/a
Efficiency Ration/an/an/a82.49%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 / Loans4.47%4.39%6.00%3.47%6.68%+221 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.00%9.15%8.62%7.50%9.65%-135 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares35.70%39.90%37.39%41.48%35.34%-36 bps
Liquid Assets / Assets61.56%55.11%59.44%56.82%49.87%-1,169 bps