Glastonbury, CT · Charter 20849
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -1.36% | -1.26% | -1.08% | -0.83% | -89 bps | |
| Return on Equity | 0.77% | -18.26% | -17.86% | -15.30% | -13.25% | -1,403 bps | |
| Net Interest Margin | 3.81% | 2.76% | 3.11% | 3.24% | 0.80% | -302 bps | |
| Efficiency Ratio | 95.77% | 142.95% | 138.16% | 131.62% | 197.75% | +10,198 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.81% | -10.49% | -8.38% | -9.24% | -4.80% | +1,402 bps | |
| Loan Growth (YoY) | -13.80% | -17.47% | -21.69% | -14.73% | -4.39% | +941 bps | |
| Share Growth (YoY) | -19.70% | -10.48% | -7.80% | -8.41% | -3.48% | +1,622 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 3.67% | 2.22% | 0.68% | 2.19% | +210 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 1.64% | 1.84% | 1.90% | 1.97% | +78 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.61% | 7.45% | 7.07% | 7.03% | 6.25% | -136 bps | |
| Net Worth / Assets | 7.61% | 7.45% | 7.07% | 7.03% | 6.25% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.77% | 40.96% | 41.90% | 43.50% | 43.36% | -41 bps | |
| Liquid Assets / Assets | 42.00% | 58.49% | 47.08% | 36.97% | 56.88% | +1,488 bps | |