PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sandvik Milford Employees

Branford, CT · Charter 8806

Q2 2000

$773KAssets
$0KLoans
$497KShares
n/aNet 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 0.94%, down 131 bps year over year; NIM at 4.30%.
  • Funding: loans stand at 0.00% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

0.94%-131 bps YoY

Net Interest Margin (YTD, annualized)

4.30%

Efficiency Ratio (YTD, annualized)

78.66%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.25%2.36%1.69%0.57%0.94%-131 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.36%4.30%n/a
Efficiency Ration/an/an/a83.50%78.66%n/a
Growth
Asset Growth (YoY)-8.29%-6.02%-4.68%3.86%15.17%+2,347 bps
Loan Growth (YoY)-3.61%-19.20%-36.32%-52.92%-100.00%-9,639 bps
Share Growth (YoY)-15.99%-12.52%-10.13%4.54%22.61%+3,860 bps
Asset Quality
Delinquent Loans / Loans0.22%0.00%0.26%1.41%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.05%2.28%2.91%2.10%n/an/a
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares38.53%35.23%27.12%18.61%0.00%-3,853 bps
Liquid Assets / Assets71.57%73.78%72.83%73.37%0.00%-7,157 bps