New Haven, CT · Charter 1153
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.48% | 2.47% | 2.45% | 2.53% | 2.66% | +19 bps | |
| Efficiency Ratio | 112.26% | 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 / Loans | 0.74% | 2.59% | 3.52% | 2.01% | 3.11% | +237 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.89% | 1.97% | 2.00% | 0.77% | 0.78% | -112 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.12% | 19.81% | 20.07% | 20.50% | 21.58% | +146 bps | |
| Net Worth / Assets | 20.12% | 19.81% | 20.07% | 20.50% | 21.58% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.87% | 33.08% | 33.30% | 33.54% | 36.59% | +172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |