PackageTrendsPeer
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Stamford Municipal Employees

Stamford, CT · Charter 24172

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Stamford Municipal Employees

Stamford, CT · Charter 24172

Q2 2001

$41.0MAssets
$28.7MLoans
$34.2MShares
$6.6MNet 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 0.72%, down 252 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.62% of loans (-35 bps YoY).
  • Capital: net worth / assets of 16.06%.
  • Funding: loans stand at 83.83% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.72%-252 bps YoY

Net Interest Margin (YTD, annualized)

3.87%

Efficiency Ratio (YTD, annualized)

82.04%

Net Worth / Assets

16.06%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.24%0.58%0.72%1.00%0.72%-252 bps
Return on Equityn/an/an/a5.55%4.45%n/a
Net Interest Marginn/a4.13%4.55%4.60%3.87%n/a
Efficiency Ration/a79.83%80.13%77.06%82.04%n/a
Growth
Asset Growth (YoY)17.17%15.22%10.72%4.90%13.86%-331 bps
Loan Growth (YoY)51.10%59.58%27.94%31.05%27.29%-2,381 bps
Share Growth (YoY)18.91%17.87%11.94%4.12%14.66%-425 bps
Asset Quality
Delinquent Loans / Loans0.97%0.99%0.77%0.83%0.62%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.50%0.68%0.65%0.50%-4 bps
Capital
Risk-Based Capitaln/an/an/a17.95%16.06%n/a
Net Worth / Assetsn/an/an/a17.95%16.06%n/a
Liquidity & Funding
Loans / Shares75.51%84.37%85.68%94.08%83.83%+831 bps
Liquid Assets / Assets33.10%4.90%5.03%19.94%27.17%-593 bps