North Haven, CT · Charter 60746
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.87% | -0.76% | 2.61% | 0.00% | 1.11% | -176 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 6.97% | 7.87% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 78.65% | 74.16% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.34% | 3.54% | -0.94% | 1.19% | -9.89% | -1,023 bps | |
| Loan Growth (YoY) | 19.03% | 42.28% | 10.39% | 20.99% | 1.47% | -1,756 bps | |
| Share Growth (YoY) | 0.26% | 7.47% | 2.06% | 4.28% | -8.68% | -894 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.32% | 9.38% | 3.15% | 2.03% | 5.67% | -465 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 5.34% | 1.06% | 2.68% | 3.37% | +300 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.33% | 84.19% | 74.02% | 76.19% | 85.92% | +859 bps | |
| Liquid Assets / Assets | 29.68% | 22.74% | 27.62% | 27.09% | 21.43% | -825 bps | |