PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Glass Employees

Dayville, CT · Charter 23602

Q2 1997

$829KAssets
$728KLoans
$764KShares
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 -9.45%, down 1,292 bps year over year.
  • Asset quality: problem loans at 5.11% of loans (+325 bps YoY).
  • Funding: loans stand at 95.23% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-9.45%-1,292 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.48%3.79%4.86%4.24%-9.45%-1,292 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a17.83%9.21%-23.91%n/a
Loan Growth (YoY)n/an/a21.97%2.40%-17.56%n/a
Share Growth (YoY)n/an/a17.77%14.83%-22.09%n/a
Asset Quality
Delinquent Loans / Loans1.86%0.61%2.23%2.28%5.11%+325 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.76%1.72%1.67%1.69%4.57%+282 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 / Shares89.99%88.79%89.30%97.24%95.23%+524 bps
Liquid Assets / Assets12.84%18.23%15.27%13.51%12.58%-25 bps