Pawcatuck, CT · Charter 66014
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.09% | 1.57% | 1.72% | 1.41% | 1.51% | -57 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 5.42% | -2.81% | -3.57% | -9.28% | -5.05% | -1,046 bps | |
| Loan Growth (YoY) | -8.31% | -1.45% | -1.26% | -5.78% | -4.01% | +430 bps | |
| Share Growth (YoY) | 5.63% | -2.85% | -4.07% | -10.03% | -5.11% | -1,074 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 1.57% | 2.95% | 2.40% | 4.71% | +368 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.45% | 3.40% | 4.42% | 4.28% | 4.44% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.63% | 63.65% | 51.37% | 58.89% | 51.21% | +59 bps | |
| Liquid Assets / Assets | 42.53% | 39.07% | 45.82% | 42.00% | 47.05% | +452 bps | |