PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Haven Newspaper Employees

New Haven, CT · Charter 60411

Q2 1996

$1.7MAssets
$695KLoans
$1.7MShares
n/aNet 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 4.22%, up 93 bps year over year.
  • Asset quality: problem loans at 1.85% of loans (-164 bps YoY).
  • Funding: loans stand at 41.28% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

4.22%+93 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.29%4.01%3.93%4.33%4.22%+93 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a0.86%n/an/a
Loan Growth (YoY)n/an/an/an/a25.59%n/an/a
Share Growth (YoY)n/an/an/an/a7.85%n/an/a
Asset Quality
Delinquent Loans / Loans3.49%4.52%3.09%4.38%1.85%-164 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.40%6.52%5.28%4.89%3.59%-281 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares35.45%40.90%45.76%46.79%41.28%+583 bps
Liquid Assets / Assets28.29%26.72%5.62%13.57%42.25%+1,397 bps