Enfield, CT · Charter 4262
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Enfield, CT · Charter 4262
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.16% | 0.22% | 0.22% | 0.28% | +10 bps | |
| Return on Equity | 1.27% | 1.07% | 1.41% | 1.58% | 1.94% | +67 bps | |
| Net Interest Margin | 3.65% | 3.78% | 3.86% | 3.52% | 3.48% | -17 bps | |
| Efficiency Ratio | 95.25% | 95.84% | 94.08% | 95.12% | 92.04% | -320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.94% | -3.44% | -10.87% | -2.84% | 0.89% | +583 bps | |
| Loan Growth (YoY) | 7.29% | 3.52% | 5.94% | -1.44% | -1.50% | -879 bps | |
| Share Growth (YoY) | -6.67% | -4.83% | -13.58% | -2.17% | 2.95% | +962 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.29% | 0.40% | 1.02% | 0.22% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.40% | 0.41% | 0.46% | 0.42% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.20% | 14.90% | 15.58% | 14.07% | 14.33% | +12 bps | |
| Net Worth / Assets | 14.20% | 14.90% | 15.58% | 14.07% | 14.33% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.22% | 31.78% | 34.99% | 27.51% | 27.96% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |