Milford, CT · Charter 11058
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Milford, CT · Charter 11058
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | -0.17% | -0.23% | -0.11% | -6.89% | -692 bps | |
| Return on Equity | 0.33% | -2.05% | -2.69% | -1.32% | -96.11% | -9,644 bps | |
| Net Interest Margin | 2.76% | 2.65% | 2.66% | 2.62% | 2.50% | -26 bps | |
| Efficiency Ratio | 99.74% | 100.60% | 104.82% | 103.48% | 342% | +24,246 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.61% | 1.16% | 3.01% | 3.39% | -7.58% | -397 bps | |
| Loan Growth (YoY) | 51.45% | 27.46% | 15.92% | 16.53% | -11.71% | -6,316 bps | |
| Share Growth (YoY) | -4.73% | 0.62% | 3.14% | 3.78% | -4.56% | +17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 1.07% | 1.08% | 0.84% | 0.00% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.33% | 8.15% | 8.40% | 8.33% | 7.17% | -116 bps | |
| Net Worth / Assets | 8.33% | 8.15% | 8.40% | 8.33% | 7.17% | -116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.13% | 15.48% | 15.65% | 14.87% | 14.92% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |