Bridgeport, CT · Charter 13040
NCUA · 3 branches
Q1 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.81% | 0.73% | 0.27% | -1.56% | -180 bps | |
| Return on Equity | 1.05% | 3.58% | 3.16% | 1.13% | -6.75% | -780 bps | |
| Net Interest Margin | 2.41% | 2.43% | 2.54% | 2.66% | 2.69% | +28 bps | |
| Efficiency Ratio | 92.94% | 76.16% | 76.76% | 84.61% | 146.22% | +5,328 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.45% | 1.55% | 0.60% | -1.64% | -3.24% | -569 bps | |
| Loan Growth (YoY) | 0.72% | 3.31% | 3.39% | 4.90% | 8.92% | +819 bps | |
| Share Growth (YoY) | 3.19% | 1.44% | -0.02% | -2.62% | -3.50% | -669 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.09% | 0.13% | 0.22% | 0.08% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.26% | 0.26% | 0.62% | 0.60% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.57% | 22.65% | 23.07% | 23.61% | 23.14% | +57 bps | |
| Net Worth / Assets | 22.57% | 22.65% | 23.07% | 23.61% | 23.14% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.13% | 43.85% | 45.21% | 48.01% | 48.68% | +555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |