East Hartford, CT · Charter 13288
NCUA · 1 branch
Q1 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -1.18% | -0.98% | 0.09% | -0.13% | -0.05% | -0.20% | -0.23% | -32 bps | |
| Return on Equity | -3.71% | -10.03% | -8.69% | 0.77% | -1.15% | -0.43% | -1.77% | -2.14% | -291 bps | |
| Net Interest Margin | 2.82% | 2.87% | 2.82% | 2.99% | 3.02% | 2.91% | 3.13% | 2.94% | -5 bps | |
| Efficiency Ratio | 116.68% | 130.09% | 124.15% | 99.32% | 104.52% | 102.22% | 105.22% | 107.47% | +815 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.87% | 1.71% | 5.42% | 3.35% | 0.86% | 6.86% | -3.14% | 3.04% | -31 bps | |
| Loan Growth (YoY) | 5.08% | 1.34% | 2.71% | 3.88% | 2.09% | 4.19% | 0.74% | -0.45% | -433 bps | |
| Share Growth (YoY) | 4.34% | 3.49% | 7.48% | 4.85% | 1.93% | 8.00% | -3.31% | 3.75% | -110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.00% | 0.11% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.19% | 0.23% | 0.23% | 0.23% | 0.23% | 0.22% | 0.22% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 11.77% | 11.28% | 11.31% | 11.32% | 10.86% | 11.45% | 10.70% | -60 bps | |
| Net Worth / Assets | 12.25% | 11.77% | 11.28% | 11.31% | 11.32% | 10.86% | 11.45% | 10.70% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.75% | 73.93% | 73.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |