PackageTrendsPeer
Letter portraitLegal landscape

United Credit Union of Norwalk Inc.

Norwalk, CT · Charter 65863

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Credit Union of Norwalk Inc.

Norwalk, CT · Charter 65863

Q4 2000

$12.5MAssets
$6.6MLoans
$11.6MShares
$911KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.48%, down 169 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.94% of loans (-98 bps YoY).
  • Capital: net worth / assets of 7.29%.
  • Funding: loans stand at 57.13% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

1.48%-169 bps YoY

Net Interest Margin (YTD, annualized)

4.37%

Efficiency Ratio (YTD, annualized)

90.50%

Net Worth / Assets

7.29%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.17%2.63%0.30%0.47%1.48%-169 bps
Return on Equityn/an/an/an/a20.31%n/an/a
Net Interest Marginn/an/a4.08%4.25%4.37%n/a
Efficiency Ration/an/a93.08%89.46%90.50%n/a
Growth
Asset Growth (YoY)12.06%9.35%10.65%8.94%7.89%-418 bps
Loan Growth (YoY)-12.82%-9.06%11.96%48.35%60.14%+7,296 bps
Share Growth (YoY)10.76%8.28%10.27%7.48%6.37%-439 bps
Asset Quality
Delinquent Loans / Loans1.92%0.72%0.35%0.56%0.94%-98 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.92%3.99%3.31%0.53%0.64%-329 bps
Capital
Risk-Based Capitaln/an/an/an/a7.29%n/an/a
Net Worth / Assetsn/an/an/an/a7.29%n/an/a
Liquidity & Funding
Loans / Shares37.95%34.81%42.96%46.34%57.13%+1,918 bps
Liquid Assets / Assets44.24%28.89%12.56%19.77%22.30%-2,195 bps