Milford, CT · Charter 66048
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 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.
Milford, CT · Charter 66048
Q4 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -0.12% | -0.12% | -0.21% | -0.36% | -40 bps | |
| Return on Equity | 0.26% | -0.83% | -0.82% | -1.41% | -2.30% | -256 bps | |
| Net Interest Margin | 3.95% | 3.88% | 3.82% | 3.88% | 3.99% | +5 bps | |
| Efficiency Ratio | 99.11% | 103.00% | 102.96% | 105.11% | 108.38% | +927 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | -6.47% | -8.67% | -8.43% | -11.40% | -1,123 bps | |
| Loan Growth (YoY) | -17.55% | -15.81% | -10.21% | 5.63% | 0.53% | +1,808 bps | |
| Share Growth (YoY) | -0.33% | -7.33% | -9.50% | -10.69% | -13.62% | -1,329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.09% | 0.11% | 0.00% | 0.07% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.96% | 4.94% | 4.98% | 4.54% | 4.96% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.25% | 14.72% | 14.67% | 15.13% | 15.72% | +147 bps | |
| Net Worth / Assets | 14.25% | 14.72% | 14.67% | 15.13% | 15.72% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.82% | 32.49% | 31.83% | 36.73% | 37.03% | +521 bps | |
| Liquid Assets / Assets | 35.60% | 31.26% | 41.82% | 38.14% | 35.43% | -17 bps | |