Southport, CT · Charter 12375
NCUA · 1 branch
Q3 2025
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | 0.20% | 0.10% | -6.42% | -6.64% | -25.87% | -13.95% | -18.40% | -1,199 bps | |
| Return on Equity | -3.46% | 1.10% | 0.53% | -44.40% | -42.11% | -253% | -140.38% | -414% | -36,996 bps | |
| Net Interest Margin | 5.64% | 5.76% | 5.84% | 7.29% | 6.50% | 6.84% | 6.54% | 7.36% | +7 bps | |
| Efficiency Ratio | 97.02% | 96.67% | 98.29% | 93.50% | 114.47% | 464% | 307% | 346% | +25,202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.00% | -11.96% | -10.66% | -15.81% | -18.21% | -24.53% | -20.22% | -21.22% | -541 bps | |
| Loan Growth (YoY) | 9.17% | 7.54% | 0.58% | -23.43% | -34.31% | -38.13% | -33.62% | -20.69% | +273 bps | |
| Share Growth (YoY) | -15.43% | -12.29% | -13.19% | -11.07% | -14.03% | -18.96% | -11.21% | -14.30% | -322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 5.14% | 5.77% | 10.42% | 20.70% | 15.50% | 3.42% | 2.02% | -840 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.90% | 0.97% | 1.25% | 1.38% | 1.45% | -2.80% | -1.85% | -310 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.33% | 17.95% | 19.23% | 14.45% | 15.77% | 10.23% | 9.94% | 4.44% | -1,001 bps | |
| Net Worth / Assets | 18.33% | 17.95% | 19.23% | 14.45% | 15.77% | 10.23% | 9.94% | 4.44% | -1,001 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.49% | 105.36% | 107.89% | 81.93% | 82.90% | 80.44% | 80.66% | 75.81% | -612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |