Stamford, CT · Charter 66226
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.16% | 0.46% | -0.39% | 0.99% | +103 bps | |
| Return on Equity | -0.37% | 1.29% | 3.11% | -2.50% | 5.42% | +579 bps | |
| Net Interest Margin | 1.31% | 1.44% | 1.83% | 2.28% | 2.52% | +121 bps | |
| Efficiency Ratio | 103.30% | 89.12% | 76.15% | 75.00% | 39.03% | -6,427 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.21% | -2.60% | -12.31% | -14.38% | -31.26% | -3,347 bps | |
| Loan Growth (YoY) | 14.68% | 37.84% | 33.05% | -31.16% | -49.47% | -6,415 bps | |
| Share Growth (YoY) | 1.28% | -4.08% | -14.47% | -15.20% | -36.07% | -3,734 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.41% | 2.65% | 3.34% | 0.00% | 0.00% | -241 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 15.87% | 17.58% | 23.86% | 27.69% | 31.40% | +1,554 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.81% | 12.34% | 14.86% | 15.47% | 18.28% | +646 bps | |
| Net Worth / Assets | 11.81% | 12.34% | 14.86% | 15.47% | 18.28% | +646 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 11.48% | 10.76% | 9.58% | 8.71% | 9.07% | -241 bps | |
| Liquid Assets / Assets | 89.81% | 0.00% | 91.62% | 92.56% | 92.49% | +268 bps | |