PackageTrendsPeer
Letter portraitLegal landscape

East Hartford Government Workers

East Hartford, CT · Charter 13288

NCUA · 1 branch

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

East Hartford Government Workers

East Hartford, CT · Charter 13288

NCUA · 1 branch

Q1 2017

$10.5MAssets
$6.4MLoans
$9.3MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.23%, down 32 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.70%, down 60 bps from a year ago.
  • Funding: loans stand at 68.86% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.23%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-5 bps YoY

Efficiency Ratio (YTD, annualized)

107.47%+815 bps YoY

Net Worth / Assets

10.70%-60 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.09%-0.13%-0.05%-0.20%-0.23%-32 bps
Return on Equity0.77%-1.15%-0.43%-1.77%-2.14%-291 bps
Net Interest Margin2.99%3.02%2.91%3.13%2.94%-5 bps
Efficiency Ratio99.32%104.52%102.22%105.22%107.47%+815 bps
Growth
Asset Growth (YoY)3.35%0.86%6.86%-3.14%3.04%-31 bps
Loan Growth (YoY)3.88%2.09%4.19%0.74%-0.45%-433 bps
Share Growth (YoY)4.85%1.93%8.00%-3.31%3.75%-110 bps
Asset Quality
Delinquent Loans / Loans0.15%0.17%0.05%0.00%0.00%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.23%0.23%0.23%0.22%0.22%-1 bps
Capital
Risk-Based Capital11.31%11.32%10.86%11.45%10.70%-60 bps
Net Worth / Assets11.31%11.32%10.86%11.45%10.70%-60 bps
Liquidity & Funding
Loans / Shares71.77%72.86%71.32%76.26%68.86%-291 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps