New Britain, CT · Charter 27
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.
New Britain, CT · Charter 27
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 | 2.77% | 0.64% | 0.65% | 0.70% | 0.35% | -243 bps | |
| Return on Equity | n/a | n/a | n/a | 8.30% | 4.45% | n/a | |
| Net Interest Margin | n/a | 4.60% | 4.53% | 4.92% | 4.46% | n/a | |
| Efficiency Ratio | n/a | 87.05% | 86.32% | 85.29% | 91.18% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 15.57% | 18.02% | 12.53% | 6.79% | 8.83% | -674 bps | |
| Loan Growth (YoY) | -2.48% | 3.67% | 11.18% | 15.87% | 13.18% | +1,566 bps | |
| Share Growth (YoY) | 15.40% | 17.80% | 12.02% | 5.47% | 8.16% | -724 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.64% | 0.53% | 0.66% | 0.72% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.68% | 0.65% | 0.62% | 0.58% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 8.39% | 7.79% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 8.39% | 7.79% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.95% | 77.47% | 73.14% | 83.16% | 71.11% | +316 bps | |
| Liquid Assets / Assets | 25.01% | 12.75% | 18.91% | 10.09% | 20.70% | -431 bps | |