West Hartford, CT · Charter 62639
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -47.23% | -7.15% | -5.57% | -7.20% | -12.31% | +3,492 bps | |
| Return on Equity | -123.70% | -17.14% | -14.22% | -17.10% | -29.96% | +9,373 bps | |
| Net Interest Margin | 12.19% | 10.65% | 7.40% | 12.51% | 12.52% | +33 bps | |
| Efficiency Ratio | 120.60% | 150.60% | 191.97% | 124.01% | 122.90% | +230 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -34.35% | -44.27% | -41.77% | -46.15% | -28.50% | +585 bps | |
| Loan Growth (YoY) | 21.66% | -37.62% | -43.41% | -51.24% | -61.71% | -8,337 bps | |
| Share Growth (YoY) | -9.96% | -30.91% | -25.78% | -26.25% | -27.46% | -1,750 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 43.86% | 15.49% | 20.82% | 22.76% | 16.03% | -2,783 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 41.78% | 13.09% | 14.98% | 18.39% | 31.79% | -999 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.18% | 41.70% | 39.19% | 42.11% | 41.09% | +291 bps | |
| Net Worth / Assets | 38.18% | 41.70% | 39.19% | 42.11% | 41.09% | +291 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 214% | 202% | 157.88% | 161.12% | 113.17% | -10,125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |