West Hartford, CT · Charter 6742
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
West Hartford, CT · Charter 6742
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.84% | 3.41% | 3.05% | -0.61% | -0.72% | -456 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 | 3.49% | 3.93% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 116.36% | 117.09% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -6.00% | 4.07% | 6.79% | -5.08% | -14.66% | -867 bps | |
| Loan Growth (YoY) | 14.03% | -3.05% | -16.47% | -23.40% | -18.24% | -3,228 bps | |
| Share Growth (YoY) | -7.13% | 3.99% | 7.71% | -6.57% | -14.36% | -723 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 1.27% | 4.20% | 4.59% | 7.93% | +763 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.66% | 1.55% | 1.74% | 1.66% | 1.65% | 0 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 | 70.64% | 60.54% | 52.90% | 59.98% | 67.44% | -320 bps | |
| Liquid Assets / Assets | 15.83% | 21.92% | 26.93% | 34.54% | 6.50% | -933 bps | |