Hartford, CT · Charter 66077
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Hartford, CT · Charter 66077
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.74% | 0.72% | 0.57% | 0.14% | -52 bps | |
| Return on Equity | 6.62% | 7.65% | 7.06% | 5.53% | 1.43% | -519 bps | |
| Net Interest Margin | 4.46% | 4.42% | 4.67% | 4.91% | 4.65% | +19 bps | |
| Efficiency Ratio | 90.12% | 89.00% | 89.84% | 91.14% | 98.00% | +788 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.84% | 4.15% | 0.68% | 1.88% | 0.81% | -303 bps | |
| Loan Growth (YoY) | 13.88% | 6.12% | -1.28% | 3.61% | 3.25% | -1,063 bps | |
| Share Growth (YoY) | 3.53% | 3.82% | -0.13% | 1.57% | 0.14% | -339 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.84% | 0.80% | 0.67% | 0.76% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.28% | 0.14% | 0.16% | 0.12% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.98% | 9.65% | 10.23% | 10.34% | 9.99% | +2 bps | |
| Net Worth / Assets | 9.98% | 9.65% | 10.23% | 10.34% | 9.99% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.84% | 65.12% | 71.69% | 74.67% | 70.98% | +214 bps | |
| Liquid Assets / Assets | 19.20% | 0.00% | 0.00% | 0.00% | 0.00% | -1,920 bps | |