Norwalk, CT · Charter 60964
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Norwalk, CT · Charter 60964
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 | 2.44% | 2.50% | 1.80% | -0.49% | 0.16% | -228 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 | 3.49% | 4.34% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 109.45% | 88.87% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -20.46% | -18.19% | -10.79% | -5.11% | -16.23% | +423 bps | |
| Loan Growth (YoY) | -4.05% | -15.24% | -32.04% | -23.63% | -7.10% | -306 bps | |
| Share Growth (YoY) | -22.32% | -20.04% | -11.62% | -4.90% | -17.09% | +523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.01% | 4.11% | 4.30% | 4.35% | 6.01% | +200 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.34% | 0.38% | 0.64% | 0.91% | -23 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 | 51.01% | 50.29% | 39.46% | 48.97% | 57.15% | +614 bps | |
| Liquid Assets / Assets | 38.82% | 52.82% | 59.85% | 51.96% | 43.30% | +447 bps | |