PackageTrendsPeer
Letter portraitLegal landscape

U.S. Baird Employees

Stratford, CT · Charter 60319

Q2 2004

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 2004, the quarter ended June 30, 2004, 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

U.S. Baird Employees

Stratford, CT · Charter 60319

Q2 2004

$603KAssets
$234KLoans
$529KShares
$72KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -23.90%, down 2,343 bps year over year; NIM at -16.95%.
  • Asset quality: problem loans at 2.28% of loans (-106 bps YoY).
  • Capital: net worth / assets of 11.98%, down 896 bps from a year ago.
  • Funding: loans stand at 44.18% of shares as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

-23.90%-2,343 bps YoY

Net Interest Margin (YTD, annualized)

-16.95%-2,046 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

11.98%-896 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets-0.47%-0.80%-1.02%-1.91%-23.90%-2,343 bps
Return on Equity-2.22%-3.58%-4.34%-8.15%-199.40%-19,717 bps
Net Interest Margin3.51%3.60%3.69%3.14%-16.95%-2,046 bps
Efficiency Ratio113.27%122.30%127.66%160.87%n/an/a
Growth
Asset Growth (YoY)-16.08%-15.82%-14.89%-17.48%-15.20%+89 bps
Loan Growth (YoY)-30.89%-30.23%-27.56%-11.49%-13.77%+1,712 bps
Share Growth (YoY)-19.33%-19.01%-17.62%-20.37%-5.59%+1,374 bps
Asset Quality
Delinquent Loans / Loans3.35%3.74%2.80%3.19%2.28%-106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.82%1.90%1.88%1.94%0.50%-132 bps
Capital
Risk-Based Capital20.94%22.42%23.53%23.42%11.98%-896 bps
Net Worth / Assets20.94%22.42%23.53%23.42%11.98%-896 bps
Liquidity & Funding
Loans / Shares48.38%51.43%56.26%55.33%44.18%-419 bps
Liquid Assets / Assets60.37%58.84%55.71%57.61%59.34%-102 bps