Bloomfield, CT · Charter 60939
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Bloomfield, CT · Charter 60939
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.74% | 1.12% | -1.87% | 2.41% | -1.34% | +141 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -10.68% | -26.25% | -28.38% | -29.06% | -26.39% | -1,571 bps | |
| Loan Growth (YoY) | -18.09% | -12.90% | -32.18% | -47.89% | -38.02% | -1,994 bps | |
| Share Growth (YoY) | -3.73% | -30.38% | -32.81% | -32.71% | -29.94% | -2,621 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.15% | 0.00% | 2.67% | 12.38% | 20.59% | +944 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.29% | 7.65% | 12.29% | 13.99% | 16.01% | +972 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 | 71.34% | 87.85% | 63.56% | 67.33% | 63.11% | -823 bps | |
| Liquid Assets / Assets | 23.91% | 26.20% | 51.13% | 47.64% | 50.16% | +2,625 bps | |