New Haven, CT · Charter 60502
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.66% | -2.46% | -1.28% | 0.28% | -10.53% | -787 bps | |
| Return on Equity | -16.13% | -14.44% | -6.87% | 1.27% | -58.81% | -4,268 bps | |
| Net Interest Margin | 6.41% | 6.15% | 5.48% | 7.18% | 7.80% | +139 bps | |
| Efficiency Ratio | 125.60% | 124.30% | 119.95% | 96.59% | 141.57% | +1,597 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -25.47% | -22.10% | -24.89% | -27.53% | -38.17% | -1,270 bps | |
| Loan Growth (YoY) | -10.76% | 3.52% | -7.50% | -12.65% | -27.02% | -1,626 bps | |
| Share Growth (YoY) | -27.67% | -23.74% | -27.45% | -32.20% | -39.12% | -1,146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.04% | 2.89% | 3.81% | 1.66% | 3.33% | -71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.61% | 0.69% | 0.73% | 5.34% | +468 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.47% | 17.01% | 18.68% | 22.05% | 17.90% | +143 bps | |
| Net Worth / Assets | 16.47% | 17.01% | 18.68% | 22.05% | 17.90% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.40% | 87.03% | 92.46% | 104.30% | 95.18% | +1,578 bps | |
| Liquid Assets / Assets | 30.22% | 24.01% | 22.95% | 15.12% | 22.75% | -747 bps | |