Newington, CT · Charter 5528
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.19% | -1.30% | 0.00% | -0.38% | -2.04% | -84 bps | |
| Return on Equity | -5.07% | -5.86% | 0.00% | -1.68% | -8.50% | -343 bps | |
| Net Interest Margin | 4.75% | 3.31% | 4.95% | 4.02% | 4.23% | -51 bps | |
| Efficiency Ratio | 117.06% | 139.12% | 100.00% | 109.46% | 148.03% | +3,097 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -33.92% | -33.27% | -42.24% | -25.97% | -9.36% | +2,457 bps | |
| Loan Growth (YoY) | -29.36% | -43.09% | -47.36% | -43.23% | -47.00% | -1,764 bps | |
| Share Growth (YoY) | -39.52% | -38.36% | -49.22% | -30.57% | -9.78% | +2,975 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.33% | 31.99% | 5.42% | 5.45% | 4.04% | -2,229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.00% | 4.90% | 6.26% | 6.51% | 7.27% | +327 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.55% | 22.12% | 25.39% | 22.63% | 23.94% | +40 bps | |
| Net Worth / Assets | 23.55% | 22.12% | 25.39% | 22.63% | 23.94% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.27% | 46.08% | 42.55% | 35.60% | 35.40% | -2,487 bps | |
| Liquid Assets / Assets | 20.28% | 42.76% | 43.60% | 61.26% | 51.40% | +3,112 bps | |