North Haven, CT · Charter 60834
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
North Haven, CT · Charter 60834
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.75% | 2.80% | 2.40% | -0.47% | -4.42% | -717 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 | n/a | 3.48% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 228% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -5.02% | -9.65% | -0.90% | -1.57% | -7.94% | -292 bps | |
| Loan Growth (YoY) | -8.57% | -16.87% | -31.94% | -44.15% | -50.57% | -4,200 bps | |
| Share Growth (YoY) | -2.95% | -11.13% | -0.97% | -0.12% | -5.95% | -300 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.29% | 5.49% | 7.49% | 7.01% | 12.48% | +918 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 2.73% | 3.03% | 2.25% | 4.67% | +253 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 | 66.61% | 59.69% | 49.70% | 39.12% | 35.01% | -3,160 bps | |
| Liquid Assets / Assets | 11.89% | 15.77% | 51.13% | 47.55% | 52.55% | +4,066 bps | |