New Britain, CT · Charter 5262
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.12% | 0.14% | 0.00% | -5.46% | -558 bps | |
| Return on Equity | n/a | n/a | 1.34% | 0.00% | -50.38% | n/a | |
| Net Interest Margin | 6.81% | 5.71% | 6.85% | 6.55% | 9.29% | +248 bps | |
| Efficiency Ratio | 98.31% | 97.95% | 98.05% | 106.61% | 168.22% | +6,992 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.46% | 4.10% | 2.51% | -8.56% | -36.31% | -3,877 bps | |
| Loan Growth (YoY) | -9.86% | -3.69% | -7.36% | -2.81% | -33.71% | -2,385 bps | |
| Share Growth (YoY) | 2.60% | 4.00% | 2.54% | -9.80% | -36.75% | -3,935 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.32% | 7.82% | 9.36% | 9.09% | 10.76% | +244 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.34% | 10.58% | 10.85% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.34% | 10.58% | 10.85% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.65% | 46.84% | 47.86% | 48.86% | 56.23% | +258 bps | |
| Liquid Assets / Assets | 43.52% | 0.00% | 58.55% | 58.05% | 51.38% | +786 bps | |