Kensington, CT · Charter 66052
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 | 1.82% | 2.44% | 3.27% | 3.15% | 3.83% | +201 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) | -3.44% | 9.90% | 9.39% | 9.72% | -4.28% | -84 bps | |
| Loan Growth (YoY) | -39.38% | -8.68% | 26.31% | 20.01% | 37.26% | +7,665 bps | |
| Share Growth (YoY) | -4.29% | 11.74% | 11.24% | 10.94% | -6.76% | -246 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.97% | 1.47% | 2.35% | 2.01% | 5.72% | +274 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.20% | 3.32% | 3.68% | 4.31% | 5.05% | +186 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 | 41.39% | 49.20% | 56.99% | 54.71% | 60.94% | +1,954 bps | |
| Liquid Assets / Assets | 32.90% | 32.04% | 32.32% | 2.47% | 37.81% | +492 bps | |