Waterbury, CT · Charter 437
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.53% | 1.65% | 1.60% | 1.50% | +17 bps | |
| Return on Equity | 7.54% | 8.19% | 8.61% | 8.61% | 7.86% | +32 bps | |
| Net Interest Margin | 4.14% | 4.39% | 4.43% | 4.44% | 4.59% | +45 bps | |
| Efficiency Ratio | 77.87% | 73.84% | 72.11% | 70.90% | 74.39% | -348 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.80% | 1.92% | 0.25% | 2.12% | 1.37% | +217 bps | |
| Loan Growth (YoY) | 2.65% | 1.20% | 1.41% | -0.22% | -0.24% | -289 bps | |
| Share Growth (YoY) | -2.12% | 0.77% | -1.61% | 0.22% | -0.66% | +146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 0.52% | 0.77% | 0.46% | 0.78% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.48% | 0.43% | 0.35% | 0.41% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.58% | 18.64% | 19.13% | 18.57% | 19.01% | +144 bps | |
| Net Worth / Assets | 17.58% | 18.64% | 19.13% | 18.57% | 19.01% | +144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.18% | 39.78% | 40.47% | 36.51% | 37.33% | +15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |