Fairfield, CT · Charter 61327
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.18% | -2.54% | -2.43% | -2.67% | -2.35% | -17 bps | |
| Return on Equity | -12.25% | -15.02% | -14.69% | -16.31% | -12.07% | +18 bps | |
| Net Interest Margin | 1.27% | 0.91% | 0.90% | 0.73% | 1.07% | -20 bps | |
| Efficiency Ratio | 272% | 380% | 370% | 465% | 320% | +4,740 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.74% | 12.19% | 4.71% | -11.23% | -18.31% | -4,105 bps | |
| Loan Growth (YoY) | -49.54% | -90.65% | -96.67% | -100.00% | -100.00% | -5,046 bps | |
| Share Growth (YoY) | 35.24% | 19.95% | 10.12% | -10.15% | -19.89% | -5,514 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.11% | 8.14% | 27.76% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 17.82% | 16.90% | 16.52% | 16.35% | 19.46% | +164 bps | |
| Net Worth / Assets | 17.82% | 16.90% | 16.52% | 16.35% | 19.46% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.31% | 0.83% | 0.25% | 0.00% | 0.00% | -331 bps | |
| Liquid Assets / Assets | 95.90% | 97.95% | 98.42% | 98.39% | 97.60% | +169 bps | |