Stratford, CT · Charter 13498
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.65% | -1.50% | -1.61% | -1.21% | -1.55% | -1.49% | -2.01% | -7.60% | -639 bps | |
| Return on Equity | -14.43% | -12.84% | -13.24% | -10.47% | -14.11% | -13.89% | -18.75% | -84.09% | -7,362 bps | |
| Net Interest Margin | 3.09% | 3.18% | 3.41% | 2.98% | 2.98% | 2.98% | 3.14% | 3.00% | +2 bps | |
| Efficiency Ratio | 132.99% | 130.65% | 132.76% | 131.66% | 142.96% | 140.95% | 154.54% | 246% | +11,460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.01% | -9.88% | -12.84% | -8.44% | -7.96% | -4.74% | -4.24% | -8.64% | -20 bps | |
| Loan Growth (YoY) | -15.18% | -18.54% | -20.61% | -19.84% | -13.67% | -16.52% | -16.99% | -13.17% | +668 bps | |
| Share Growth (YoY) | -1.82% | -9.73% | -13.00% | -8.19% | -7.56% | -3.71% | -2.62% | -5.92% | +227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.66% | 5.76% | 5.51% | 3.79% | 4.09% | 2.76% | 1.37% | -414 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 | 1.82% | 2.10% | 2.81% | 1.99% | 1.17% | 1.59% | 0.00% | 1.57% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.40% | 11.67% | 12.18% | 11.55% | 10.96% | 10.74% | 10.71% | 9.03% | -251 bps | |
| Net Worth / Assets | 11.40% | 11.67% | 12.18% | 11.55% | 10.96% | 10.74% | 10.71% | 9.03% | -251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.81% | 41.41% | 42.18% | 37.79% | 37.18% | 35.90% | 35.96% | 34.88% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |