Hartford, CT · Charter 21735
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 | 3.27% | 0.32% | 0.34% | 0.27% | 0.26% | -301 bps | |
| Return on Equity | n/a | n/a | n/a | 2.55% | 2.56% | n/a | |
| Net Interest Margin | n/a | 4.58% | 3.94% | 4.29% | 4.38% | n/a | |
| Efficiency Ratio | n/a | 79.12% | 80.30% | 76.19% | 82.29% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.75% | 10.12% | 22.85% | 15.97% | 16.01% | +626 bps | |
| Loan Growth (YoY) | 29.81% | 17.03% | 15.53% | 28.79% | 18.24% | -1,158 bps | |
| Share Growth (YoY) | 8.20% | 9.22% | 24.92% | 17.29% | 17.47% | +927 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.23% | 4.46% | 6.06% | 5.58% | 8.87% | +264 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 2.47% | 2.28% | 2.15% | 3.01% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 10.59% | 10.25% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 10.59% | 10.25% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.42% | 52.48% | 48.06% | 57.39% | 52.76% | +34 bps | |
| Liquid Assets / Assets | 20.62% | 11.37% | 0.18% | 13.56% | 35.53% | +1,491 bps | |