West Hartford, CT · Charter 61777
Q3 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 0.53% | 2.64% | 0.00% | -35.49% | -3,705 bps | |
| Return on Equity | 6.87% | 2.29% | 12.07% | 0.02% | -1497% | -150,364 bps | |
| Net Interest Margin | 6.52% | 8.37% | 7.76% | 8.29% | 13.06% | +654 bps | |
| Efficiency Ratio | 76.03% | 68.49% | 66.00% | 73.92% | 57.87% | -1,817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3557% | 4167% | 4216% | 4146% | -35.82% | -359,321 bps | |
| Loan Growth (YoY) | 8164% | 9601% | 10164% | 10914% | -32.05% | -819,647 bps | |
| Share Growth (YoY) | 3931% | 5055% | 5438% | 5252% | -15.02% | -394,608 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.07% | 13.34% | 24.60% | 28.99% | 17.19% | +612 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 0.31% | 4.66% | 4.14% | 12.20% | +1,096 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.76% | 23.13% | 21.87% | 21.88% | 2.37% | -2,039 bps | |
| Net Worth / Assets | 22.76% | 23.13% | 21.87% | 21.88% | 2.37% | -2,039 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 124.45% | 124.73% | 123.63% | 122.85% | 99.51% | -2,494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |