Danbury, CT · Charter 66047
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Danbury, CT · Charter 66047
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.01% | 1.25% | 3.27% | 3.53% | 4.13% | +12 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) | 2.53% | 7.17% | 6.97% | 2.21% | -7.82% | -1,035 bps | |
| Loan Growth (YoY) | 39.70% | 11.09% | 4.49% | 12.67% | -27.60% | -6,730 bps | |
| Share Growth (YoY) | 1.78% | 10.92% | 10.57% | 5.00% | -7.93% | -970 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.93% | 1.38% | 0.22% | 3.03% | 1.43% | -250 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 1.67% | 1.91% | 2.17% | 2.51% | +162 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 | 97.29% | 80.03% | 68.52% | 78.40% | 76.50% | -2,078 bps | |
| Liquid Assets / Assets | 18.45% | 34.96% | 38.59% | 34.87% | 29.74% | +1,129 bps | |