Newington, CT · Charter 1155
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Newington, CT · Charter 1155
Q1 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | -0.37% | -0.64% | -1.90% | -1.13% | -101 bps | |
| Return on Equity | -1.31% | -3.87% | -6.54% | -22.89% | -14.45% | -1,314 bps | |
| Net Interest Margin | 3.25% | 3.33% | 3.48% | 3.42% | 2.89% | -36 bps | |
| Efficiency Ratio | 108.60% | 106.82% | 108.50% | 131.98% | 131.03% | +2,243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.03% | 1.15% | 0.18% | 2.60% | -5.41% | -844 bps | |
| Loan Growth (YoY) | -12.69% | -20.91% | -26.01% | -25.88% | -31.04% | -1,835 bps | |
| Share Growth (YoY) | 4.32% | 2.23% | 1.24% | 5.04% | -3.62% | -794 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.42% | 1.24% | 2.31% | 1.92% | 2.16% | +75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.30% | 1.48% | 1.58% | 1.58% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.38% | 9.48% | 9.76% | 8.31% | 7.81% | -157 bps | |
| Net Worth / Assets | 9.38% | 9.48% | 9.76% | 8.31% | 7.81% | -157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.46% | 29.61% | 29.03% | 26.68% | 22.51% | -895 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |