Westport, CT · Charter 10213
NCUA · 1 branch
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, 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.
Westport, CT · Charter 10213
NCUA · 1 branch
Q3 2022
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.11% | -0.21% | -0.18% | -0.32% | 0.10% | -0.10% | 0.17% | +36 bps | |
| Return on Equity | -0.83% | -1.35% | -2.67% | -2.34% | -4.36% | 1.29% | -1.29% | 2.17% | +451 bps | |
| Net Interest Margin | 2.76% | 2.39% | 2.29% | 2.24% | 2.13% | 2.11% | 2.08% | 2.42% | +18 bps | |
| Efficiency Ratio | 95.19% | 96.17% | 99.72% | 98.72% | 104.22% | 89.36% | 95.72% | 88.40% | -1,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.94% | 30.46% | 19.42% | 11.86% | 5.91% | -0.94% | 0.37% | -3.93% | -1,579 bps | |
| Loan Growth (YoY) | -9.41% | -13.88% | -18.05% | -11.74% | -16.43% | -13.88% | 4.59% | 4.37% | +1,612 bps | |
| Share Growth (YoY) | 30.88% | 35.14% | 21.43% | 13.27% | 6.52% | -0.94% | 0.80% | -3.66% | -1,693 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.73% | 1.89% | 5.71% | 6.25% | 2.10% | 1.84% | 2.06% | -365 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 1.04% | 1.21% | 1.32% | 1.50% | 1.07% | 0.81% | 0.89% | -43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.21% | 7.77% | 7.76% | 7.77% | 7.43% | 7.56% | 7.46% | 8.02% | +25 bps | |
| Net Worth / Assets | 8.21% | 7.77% | 7.76% | 7.77% | 7.43% | 7.56% | 7.46% | 8.02% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.53% | 61.47% | 58.34% | 58.51% | 54.55% | 53.44% | 60.53% | 63.39% | +488 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |