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New Britain Municipal Employees

New Britain, CT · Charter 66059

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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

New Britain Municipal Employees

New Britain, CT · Charter 66059

Q3 2007

$2.1MAssets
$1.3MLoans
$1.5MShares
$282KNet 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 -14.89%, down 1,600 bps year over year; NIM at 5.69%.
  • Asset quality: problem loans at 0.65% of loans (+52 bps YoY).
  • Capital: net worth / assets of 13.73%, down 813 bps from a year ago.
  • Funding: loans stand at 82.39% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-14.89%-1,600 bps YoY

Net Interest Margin (YTD, annualized)

5.69%+50 bps YoY

Efficiency Ratio (YTD, annualized)

361%+28,247 bps YoY

Net Worth / Assets

13.73%-813 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.11%0.30%-0.31%-0.10%-14.89%-1,600 bps
Return on Equity5.08%1.31%-1.35%-0.43%-108.45%-11,353 bps
Net Interest Margin5.19%5.34%3.87%5.26%5.69%+50 bps
Efficiency Ratio78.79%94.49%107.90%101.89%361%+28,247 bps
Growth
Asset Growth (YoY)-3.50%-6.23%-5.50%-12.25%-14.42%-1,092 bps
Loan Growth (YoY)3.54%-0.91%-10.17%-10.14%-7.98%-1,151 bps
Share Growth (YoY)-5.45%-8.15%-11.64%-15.26%-17.53%-1,208 bps
Asset Quality
Delinquent Loans / Loans0.13%0.14%0.66%3.00%0.65%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.58%0.61%0.61%0.60%+5 bps
Capital
Risk-Based Capital21.86%22.64%22.60%23.23%13.73%-813 bps
Net Worth / Assets21.86%22.64%22.60%23.23%13.73%-813 bps
Liquidity & Funding
Loans / Shares73.83%74.83%71.38%73.99%82.39%+856 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps