West Haven, CT · Charter 1804
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
West Haven, CT · Charter 1804
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.55% | 1.05% | 0.80% | 0.29% | -6.54% | -909 bps | |
| Return on Equity | n/a | n/a | n/a | 1.08% | -30.06% | n/a | |
| Net Interest Margin | n/a | 8.20% | 7.66% | 7.86% | 7.37% | n/a | |
| Efficiency Ratio | n/a | 71.57% | 68.32% | 69.07% | 75.31% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.17% | -0.46% | -9.42% | -10.08% | -6.21% | -1,038 bps | |
| Loan Growth (YoY) | 13.95% | 5.19% | 1.21% | -5.76% | -13.18% | -2,712 bps | |
| Share Growth (YoY) | 1.76% | -2.81% | -14.64% | -15.70% | -4.11% | -587 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.42% | 5.52% | 5.86% | 13.06% | 10.34% | +592 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.49% | 2.19% | 2.18% | 4.12% | 4.35% | +86 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 27.18% | 21.74% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 27.18% | 21.74% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.76% | 97.61% | 93.49% | 99.07% | 74.93% | -783 bps | |
| Liquid Assets / Assets | 18.39% | 10.73% | 10.84% | 11.64% | 42.33% | +2,395 bps | |