Torrington, CT · Charter 24132
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 | -2.73% | -2.63% | -2.96% | -5.10% | -6.25% | -352 bps | |
| Return on Equity | -10.79% | -10.86% | -12.52% | -21.02% | -26.01% | -1,521 bps | |
| Net Interest Margin | 3.51% | 3.15% | 3.09% | 3.28% | 3.33% | -18 bps | |
| Efficiency Ratio | 177.42% | 183.44% | 195.30% | 255% | 287% | +10,969 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.97% | 11.86% | 7.46% | -3.56% | -16.56% | -1,853 bps | |
| Loan Growth (YoY) | -10.33% | -10.78% | 3.96% | -25.49% | -33.37% | -2,304 bps | |
| Share Growth (YoY) | 7.20% | 22.44% | 15.06% | 1.12% | -15.25% | -2,245 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 2.28% | 2.29% | 0.62% | 0.00% | -218 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.72% | 0.79% | 0.88% | 0.29% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.26% | 24.17% | 23.61% | 24.28% | 24.03% | -124 bps | |
| Net Worth / Assets | 25.26% | 24.17% | 23.61% | 24.28% | 24.03% | -124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.75% | 51.99% | 48.00% | 48.40% | 46.19% | -1,256 bps | |
| Liquid Assets / Assets | 50.75% | 59.34% | 62.09% | 57.20% | 60.41% | +967 bps | |