Bridgeport, CT · Charter 13040
NCUA · 3 branches
Q1 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.61% | 2.61% | 2.63% | 2.41% | 2.43% | 2.54% | 2.66% | 2.69% | +28 bps | |
| Efficiency Ratio | 101.69% | 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 / Loans | 0.23% | 0.34% | 0.30% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.56% | 0.27% | 0.27% | 0.26% | 0.26% | 0.62% | 0.60% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.56% | 22.62% | 22.96% | 22.57% | 22.65% | 23.07% | 23.61% | 23.14% | +57 bps | |
| Net Worth / Assets | 22.56% | 22.62% | 22.96% | 22.57% | 22.65% | 23.07% | 23.61% | 23.14% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.05% | 43.72% | 44.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |