PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heublein Employees

Hartford, CT · Charter 60595

Q2 1998

$2.3MAssets
$481KLoans
$1.8MShares
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 2.82%, down 23 bps year over year.
  • Asset quality: problem loans at 0.84% of loans (-29 bps YoY).
  • Funding: loans stand at 26.75% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

2.82%-23 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.05%3.26%3.21%3.64%2.82%-23 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)-30.76%-30.57%-9.79%-12.19%-17.52%+1,325 bps
Loan Growth (YoY)-14.29%0.89%-2.35%1.91%-33.50%-1,921 bps
Share Growth (YoY)-36.03%-36.10%-13.29%-16.56%-22.82%+1,321 bps
Asset Quality
Delinquent Loans / Loans1.13%1.54%1.59%1.34%0.84%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.50%0.68%0.77%0.47%0.86%-63 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 / Shares31.04%37.91%32.04%37.05%26.75%-429 bps
Liquid Assets / Assets50.91%3.27%23.58%6.83%76.36%+2,545 bps