Bloomfield, CT · Charter 24541
Q2 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bloomfield, CT · Charter 24541
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 | 3.53% | 0.91% | 0.26% | 0.00% | 0.93% | -260 bps | |
| Return on Equity | n/a | n/a | n/a | 0.00% | 6.90% | n/a | |
| Net Interest Margin | n/a | 4.57% | 4.88% | 4.96% | 4.98% | n/a | |
| Efficiency Ratio | n/a | 82.17% | 84.94% | 85.21% | 79.97% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.28% | 4.42% | -0.28% | -3.08% | -1.11% | -939 bps | |
| Loan Growth (YoY) | 29.82% | 11.11% | -4.92% | 2.21% | -0.32% | -3,014 bps | |
| Share Growth (YoY) | 7.73% | 3.57% | -1.87% | -4.54% | -2.44% | -1,018 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 1.09% | 0.85% | 0.65% | 0.79% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.91% | 0.76% | 1.17% | 1.23% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.64% | 13.42% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 13.64% | 13.42% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.87% | 64.38% | 64.46% | 69.06% | 64.24% | +137 bps | |
| Liquid Assets / Assets | 36.61% | 28.43% | 13.95% | 29.97% | 132.16% | +9,556 bps | |