PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cytec Credit Union, Inc.

Wallingford, CT · Charter 60437

Q2 1997

$2.3MAssets
$828KLoans
$2.0MShares
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 1.91%, down 72 bps year over year.
  • Asset quality: problem loans at 1.52% of loans (-87 bps YoY).
  • Funding: loans stand at 42.11% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

1.91%-72 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.63%2.31%1.80%1.80%1.91%-72 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/a-27.30%-25.77%-14.33%n/a
Loan Growth (YoY)n/an/a-5.36%-15.82%-20.05%n/a
Share Growth (YoY)n/an/a-29.73%-28.44%-15.71%n/a
Asset Quality
Delinquent Loans / Loans2.39%2.91%2.53%2.12%1.52%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.43%1.89%2.16%1.97%2.41%+98 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 / Shares44.40%48.33%48.30%47.32%42.11%-228 bps
Liquid Assets / Assets44.71%45.17%41.75%45.60%46.51%+180 bps