Westport, CT · Charter 10213
NCUA · 1 branch
Q3 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.32% | 0.10% | -0.10% | 0.17% | +36 bps | |
| Return on Equity | -2.34% | -4.36% | 1.29% | -1.29% | 2.17% | +451 bps | |
| Net Interest Margin | 2.24% | 2.13% | 2.11% | 2.08% | 2.42% | +18 bps | |
| Efficiency Ratio | 98.72% | 104.22% | 89.36% | 95.72% | 88.40% | -1,032 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.86% | 5.91% | -0.94% | 0.37% | -3.93% | -1,579 bps | |
| Loan Growth (YoY) | -11.74% | -16.43% | -13.88% | 4.59% | 4.37% | +1,612 bps | |
| Share Growth (YoY) | 13.27% | 6.52% | -0.94% | 0.80% | -3.66% | -1,693 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.32% | 1.50% | 1.07% | 0.81% | 0.89% | -43 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.77% | 7.43% | 7.56% | 7.46% | 8.02% | +25 bps | |
| Net Worth / Assets | 7.77% | 7.43% | 7.56% | 7.46% | 8.02% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |