West Haven, CT · Charter 9444
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -0.89% | -0.12% | -0.08% | -0.79% | -3 bps | |
| Return on Equity | -2.65% | -3.11% | -0.63% | -0.32% | -3.12% | -48 bps | |
| Net Interest Margin | 3.55% | 3.55% | 3.56% | 3.18% | 2.75% | -80 bps | |
| Efficiency Ratio | 105.26% | 118.79% | 103.45% | 103.54% | 128.39% | +2,314 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.60% | 8.66% | 8.21% | 5.91% | 10.77% | +217 bps | |
| Loan Growth (YoY) | 18.70% | 19.23% | 16.14% | 14.60% | -10.09% | -2,878 bps | |
| Share Growth (YoY) | 13.46% | 14.35% | 12.86% | 10.00% | 16.75% | +329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.60% | 0.10% | 0.21% | 0.29% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.77% | 2.44% | 2.65% | 2.01% | 1.90% | -87 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.98% | 28.77% | 19.76% | 26.74% | 25.47% | -351 bps | |
| Net Worth / Assets | 28.98% | 28.77% | 19.76% | 26.74% | 25.47% | -351 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.66% | 42.85% | 38.95% | 38.47% | 33.63% | -1,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |