PackageTrendsPeer
Letter portraitLegal landscape

Sargent & Company Employees

New Haven, CT · Charter 1153

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Sargent & Company Employees

New Haven, CT · Charter 1153

Q4 2014

$3.2MAssets
$920KLoans
$2.5MShares
$694KNet 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 -0.70%, up 24 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 3.11% of loans (+237 bps YoY).
  • Capital: net worth / assets of 21.58%, up 146 bps from a year ago.
  • Funding: loans stand at 36.59% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.70%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+19 bps YoY

Efficiency Ratio (YTD, annualized)

121.23%+896 bps YoY

Net Worth / Assets

21.58%+146 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.94%-0.66%-0.54%-0.53%-0.70%+24 bps
Return on Equity-4.67%-3.32%-2.67%-2.59%-3.24%+143 bps
Net Interest Margin2.48%2.47%2.45%2.53%2.66%+19 bps
Efficiency Ratio112.26%122.08%118.16%117.20%121.23%+896 bps
Growth
Asset Growth (YoY)9.42%6.96%-0.50%-6.09%-9.68%-1,911 bps
Loan Growth (YoY)-6.63%-2.40%-4.27%-5.85%-6.98%-35 bps
Share Growth (YoY)13.36%10.09%0.29%-6.94%-11.36%-2,472 bps
Asset Quality
Delinquent Loans / Loans0.74%2.59%3.52%2.01%3.11%+237 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.89%1.97%2.00%0.77%0.78%-112 bps
Capital
Risk-Based Capital20.12%19.81%20.07%20.50%21.58%+146 bps
Net Worth / Assets20.12%19.81%20.07%20.50%21.58%+146 bps
Liquidity & Funding
Loans / Shares34.87%33.08%33.30%33.54%36.59%+172 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps