Newington, CT · Charter 6241
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Newington, CT · Charter 6241
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.41% | 0.18% | 0.32% | -14.08% | -1,458 bps | |
| Return on Equity | 3.37% | 2.80% | 1.26% | 2.02% | -125.80% | -12,918 bps | |
| Net Interest Margin | 2.69% | 2.55% | 2.46% | 2.43% | 2.62% | -6 bps | |
| Efficiency Ratio | 81.68% | 84.13% | 87.65% | 86.82% | 96.65% | +1,497 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.16% | 0.85% | 2.16% | -6.60% | -19.93% | -2,209 bps | |
| Loan Growth (YoY) | -7.12% | -4.41% | -17.00% | -34.48% | -30.62% | -2,350 bps | |
| Share Growth (YoY) | 2.03% | 0.57% | 2.36% | -7.62% | -15.65% | -1,769 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 1.07% | 0.96% | 9.31% | 9.31% | +817 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.24% | 0.70% | 0.95% | 19.78% | +1,964 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.66% | 14.51% | 14.64% | 15.86% | 11.19% | -347 bps | |
| Net Worth / Assets | 14.66% | 14.51% | 14.64% | 15.86% | 11.19% | -347 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.33% | 45.69% | 42.66% | 40.28% | 40.57% | -875 bps | |
| Liquid Assets / Assets | 56.01% | 59.04% | 62.15% | 64.44% | 41.85% | -1,416 bps | |