Newtown, CT · Charter 18771
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.44% | 1.32% | -7.19% | -6.91% | -744 bps | |
| Return on Equity | 3.23% | 2.84% | 7.81% | -59.71% | -48.11% | -5,134 bps | |
| Net Interest Margin | 6.50% | 6.03% | 7.00% | 7.07% | 7.86% | +136 bps | |
| Efficiency Ratio | 89.52% | 92.73% | 81.21% | 85.53% | 92.30% | +278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.91% | 1.41% | -6.84% | -13.66% | -22.62% | -1,471 bps | |
| Loan Growth (YoY) | -10.06% | -9.44% | -0.74% | -19.96% | -29.09% | -1,903 bps | |
| Share Growth (YoY) | -8.52% | 0.99% | -8.80% | -10.50% | -20.69% | -1,216 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.88% | 13.80% | 16.57% | 6.18% | 11.12% | -776 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.33% | 4.18% | 3.72% | 1.02% | 1.28% | -605 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.46% | 15.45% | 16.84% | 12.05% | 14.36% | -210 bps | |
| Net Worth / Assets | 16.46% | 15.45% | 16.84% | 12.05% | 14.36% | -210 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.07% | 82.26% | 86.76% | 73.74% | 84.11% | -996 bps | |
| Liquid Assets / Assets | 24.76% | 31.54% | 28.66% | 33.99% | 26.57% | +181 bps | |