Bloomfield, CT · Charter 60938
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -31.23% | -8.75% | -11.39% | -1.89% | -51.58% | -2,035 bps | |
| Return on Equity | -66.30% | -17.46% | -23.76% | -3.54% | -154.67% | -8,838 bps | |
| Net Interest Margin | 10.98% | 1.49% | 7.28% | 11.69% | 16.19% | +522 bps | |
| Efficiency Ratio | 98.90% | 300% | 134.14% | 104.61% | 128.32% | +2,942 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -28.04% | -31.56% | -33.69% | -35.35% | -44.53% | -1,649 bps | |
| Loan Growth (YoY) | -7.22% | -38.57% | -40.52% | -42.29% | -48.45% | -4,123 bps | |
| Share Growth (YoY) | -13.19% | -18.48% | -18.51% | -26.22% | -26.86% | -1,368 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 45.82% | 25.46% | 22.78% | 20.23% | 21.56% | -2,427 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 32.15% | 7.82% | 15.47% | 15.36% | 59.91% | +2,775 bps | |
| Capital | |||||||
| Risk-Based Capital | 47.11% | 50.10% | 47.93% | 53.33% | 33.35% | -1,376 bps | |
| Net Worth / Assets | 47.11% | 50.10% | 47.93% | 53.33% | 33.35% | -1,376 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 239% | 173.54% | 169.76% | 190.12% | 168.13% | -7,041 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |