PackageTrendsPeer
Letter portraitLegal landscape

Technology Groups

Waterbury, CT · Charter 437

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

Technology Groups

Waterbury, CT · Charter 437

Q2 2007

$27.6MAssets
$8.3MLoans
$22.2MShares
$5.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.50%, up 17 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.78% of loans (-36 bps YoY).
  • Capital: net worth / assets of 19.01%, up 144 bps from a year ago.
  • Funding: loans stand at 37.33% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

1.50%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+45 bps YoY

Efficiency Ratio (YTD, annualized)

74.39%-348 bps YoY

Net Worth / Assets

19.01%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.10%0.84%0.95%1.33%1.53%1.65%1.60%1.50%+17 bps
Return on Equity6.17%4.77%5.50%7.54%8.19%8.61%8.61%7.86%+32 bps
Net Interest Margin3.99%3.71%3.96%4.14%4.39%4.43%4.44%4.59%+45 bps
Efficiency Ratio79.39%83.30%80.54%77.87%73.84%72.11%70.90%74.39%-348 bps
Growth
Asset Growth (YoY)-4.53%-2.23%-0.68%-0.80%1.92%0.25%2.12%1.37%+217 bps
Loan Growth (YoY)0.74%3.08%2.66%2.65%1.20%1.41%-0.22%-0.24%-289 bps
Share Growth (YoY)-6.83%-4.01%-1.97%-2.12%0.77%-1.61%0.22%-0.66%+146 bps
Asset Quality
Delinquent Loans / Loans1.21%0.89%0.84%1.15%0.52%0.77%0.46%0.78%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.72%0.50%0.46%0.40%0.48%0.43%0.35%0.41%+2 bps
Capital
Risk-Based Capital17.81%17.53%17.19%17.58%18.64%19.13%18.57%19.01%+144 bps
Net Worth / Assets17.81%17.53%17.19%17.58%18.64%19.13%18.57%19.01%+144 bps
Liquidity & Funding
Loans / Shares39.61%39.27%36.66%37.18%39.78%40.47%36.51%37.33%+15 bps
Liquid Assets / Assets42.12%43.36%45.91%0.00%0.00%0.00%0.00%0.00%0 bps