East Hartford, CT · Charter 13288
NCUA · 1 branch
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | -0.13% | -0.05% | -0.20% | -0.23% | -32 bps | |
| Return on Equity | 0.77% | -1.15% | -0.43% | -1.77% | -2.14% | -291 bps | |
| Net Interest Margin | 2.99% | 3.02% | 2.91% | 3.13% | 2.94% | -5 bps | |
| Efficiency Ratio | 99.32% | 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 / Loans | 0.15% | 0.17% | 0.05% | 0.00% | 0.00% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.23% | 0.23% | 0.22% | 0.22% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.31% | 11.32% | 10.86% | 11.45% | 10.70% | -60 bps | |
| Net Worth / Assets | 11.31% | 11.32% | 10.86% | 11.45% | 10.70% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.77% | 72.86% | 71.32% | 76.26% | 68.86% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |