PackageTrendsPeer
Letter portraitLegal landscape

C.N.G. Employees

Hartford, CT · Charter 10795

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

C.N.G. Employees

Hartford, CT · Charter 10795

Q2 2013

$10.2MAssets
$4.0MLoans
$9.1MShares
$1.1MNet 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 -1.97%, down 228 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 4.46% of loans (+199 bps YoY).
  • Capital: net worth / assets of 11.00%, down 116 bps from a year ago.
  • Funding: loans stand at 43.62% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.97%-228 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-33 bps YoY

Efficiency Ratio (YTD, annualized)

101.96%+975 bps YoY

Net Worth / Assets

11.00%-116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.31%0.22%0.03%-3.78%-1.97%-228 bps
Return on Equity2.57%1.75%0.27%-34.54%-17.89%-2,047 bps
Net Interest Margin3.17%3.22%3.15%2.88%2.83%-33 bps
Efficiency Ratio92.21%94.69%94.90%100.58%101.96%+975 bps
Growth
Asset Growth (YoY)1.66%3.54%3.43%2.59%0.42%-124 bps
Loan Growth (YoY)-1.84%-1.12%-7.42%-9.81%-10.60%-876 bps
Share Growth (YoY)1.95%3.56%3.71%4.25%1.76%-18 bps
Asset Quality
Delinquent Loans / Loans2.47%2.69%4.63%2.18%4.46%+199 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%0.85%1.31%2.98%3.05%+219 bps
Capital
Risk-Based Capital12.16%12.48%12.15%10.95%11.00%-116 bps
Net Worth / Assets12.16%12.48%12.15%10.95%11.00%-116 bps
Liquidity & Funding
Loans / Shares49.65%51.77%48.18%44.29%43.62%-603 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps