PackageTrendsPeer
Letter portraitLegal landscape

American Metal Hose Employees

Waterbury, CT · Charter 2655

Q3 2003

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: Q3 2003, the quarter ended September 30, 2003, 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

American Metal Hose Employees

Waterbury, CT · Charter 2655

Q3 2003

$761KAssets
$151KLoans
$539KShares
$221KNet 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 -1.70%, down 337 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 13.83% of loans (+1,058 bps YoY).
  • Capital: net worth / assets of 29.02%, up 28 bps from a year ago.
  • Funding: loans stand at 27.99% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-1.70%-337 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-139 bps YoY

Efficiency Ratio (YTD, annualized)

148.78%+3,893 bps YoY

Net Worth / Assets

29.02%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.67%0.90%1.58%-1.71%-1.70%-337 bps
Return on Equity5.82%3.11%5.43%-6.17%-5.86%-1,168 bps
Net Interest Margin4.52%4.35%3.46%3.14%3.13%-139 bps
Efficiency Ratio109.84%116.51%140.66%146.56%148.78%+3,893 bps
Growth
Asset Growth (YoY)-4.44%-4.91%-4.54%-3.56%-6.36%-192 bps
Loan Growth (YoY)-28.88%-36.50%-38.43%-30.49%-40.19%-1,131 bps
Share Growth (YoY)-7.60%-7.59%-7.57%-2.84%-6.34%+126 bps
Asset Quality
Delinquent Loans / Loans3.25%13.28%20.87%12.68%13.83%+1,058 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.63%13.06%12.82%9.19%11.30%-33 bps
Capital
Risk-Based Capital28.74%28.91%29.12%27.76%29.02%+28 bps
Net Worth / Assets28.74%28.91%29.12%27.76%29.02%+28 bps
Liquidity & Funding
Loans / Shares43.83%40.21%35.33%30.82%27.99%-1,584 bps
Liquid Assets / Assets70.78%73.44%76.45%78.10%80.62%+984 bps