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Bridgeport City Employees

Bridgeport, CT · Charter 13040

NCUA · 3 branches

Q1 2023

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: Q1 2023, the quarter ended March 31, 2023, 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

Bridgeport City Employees

Bridgeport, CT · Charter 13040

NCUA · 3 branches

Q1 2023

$31.0MAssets
$11.6MLoans
$23.8MShares
$7.2MNet Worth

Executive Summary

  • Earnings: ROA of -1.56%, down 180 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.08% of loans (-2 bps YoY).
  • Capital: net worth / assets of 23.14%, up 57 bps from a year ago.
  • Funding: loans stand at 48.68% of shares as of Q1 2023.

Return on Assets (YTD, annualized)

-1.56%-180 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+28 bps YoY

Efficiency Ratio (YTD, annualized)

146.22%+5,328 bps YoY

Net Worth / Assets

23.14%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets-0.05%-0.04%0.00%0.24%0.81%0.73%0.27%-1.56%-180 bps
Return on Equity-0.20%-0.18%0.01%1.05%3.58%3.16%1.13%-6.75%-780 bps
Net Interest Margin2.61%2.61%2.63%2.41%2.43%2.54%2.66%2.69%+28 bps
Efficiency Ratio101.69%101.54%99.91%92.94%76.16%76.76%84.61%146.22%+5,328 bps
Growth
Asset Growth (YoY)7.09%7.24%2.79%2.45%1.55%0.60%-1.64%-3.24%-569 bps
Loan Growth (YoY)5.34%4.68%1.97%0.72%3.31%3.39%4.90%8.92%+819 bps
Share Growth (YoY)9.65%9.96%3.76%3.19%1.44%-0.02%-2.62%-3.50%-669 bps
Asset Quality
Delinquent Loans / Loans0.23%0.34%0.30%0.10%0.09%0.13%0.22%0.08%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.57%0.56%0.27%0.27%0.26%0.26%0.62%0.60%+33 bps
Capital
Risk-Based Capital22.56%22.62%22.96%22.57%22.65%23.07%23.61%23.14%+57 bps
Net Worth / Assets22.56%22.62%22.96%22.57%22.65%23.07%23.61%23.14%+57 bps
Liquidity & Funding
Loans / Shares43.05%43.72%44.57%43.13%43.85%45.21%48.01%48.68%+555 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps