Bristol, CT · Charter 12776
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -0.80% | -0.83% | -1.01% | -1.06% | -30 bps | |
| Return on Equity | -4.63% | -4.92% | -5.23% | -6.61% | -6.94% | -231 bps | |
| Net Interest Margin | 2.06% | 2.09% | 1.89% | 1.89% | 1.93% | -13 bps | |
| Efficiency Ratio | 126.06% | 129.89% | 140.75% | 139.75% | 143.74% | +1,768 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.47% | -2.94% | -1.85% | -0.96% | 1.17% | +564 bps | |
| Loan Growth (YoY) | 6.48% | 2.25% | 1.27% | 2.64% | -6.88% | -1,336 bps | |
| Share Growth (YoY) | -4.28% | -2.57% | -1.00% | 0.11% | 2.77% | +705 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.01% | 0.00% | 0.00% | 0.00% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.61% | 0.67% | 0.94% | 0.98% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.52% | 16.26% | 15.93% | 15.23% | 15.31% | -121 bps | |
| Net Worth / Assets | 16.52% | 16.26% | 15.93% | 15.23% | 15.31% | -121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.53% | 22.09% | 21.13% | 20.18% | 20.42% | -211 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |