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Wallingford Municipal

Wallingford, CT · Charter 14682

NCUA · 1 branch

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Wallingford Municipal

Wallingford, CT · Charter 14682

NCUA · 1 branch

Q4 2016

$14.4MAssets
$4.6MLoans
$13.2MShares
$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 0.11%, up 2 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 1.40% of loans (+80 bps YoY).
  • Capital: net worth / assets of 7.94%, up 162 bps from a year ago.
  • Funding: loans stand at 34.94% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.11%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.34%+52 bps YoY

Efficiency Ratio (YTD, annualized)

98.42%+590 bps YoY

Net Worth / Assets

7.94%+162 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.08%0.02%0.12%0.38%0.11%+2 bps
Return on Equity1.32%0.38%1.72%4.71%1.33%+1 bps
Net Interest Margin1.82%1.83%2.11%2.44%2.34%+52 bps
Efficiency Ratio92.52%98.89%95.21%93.10%98.42%+590 bps
Growth
Asset Growth (YoY)0.59%3.82%-9.91%-19.73%-21.02%-2,161 bps
Loan Growth (YoY)39.80%28.71%-0.33%-2.50%-12.11%-5,191 bps
Share Growth (YoY)0.79%3.66%-14.75%-21.05%-22.62%-2,341 bps
Asset Quality
Delinquent Loans / Loans0.60%0.62%0.59%0.97%1.40%+80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.70%1.23%0.94%1.12%+42 bps
Capital
Risk-Based Capital6.32%6.16%6.69%7.97%7.94%+162 bps
Net Worth / Assets6.32%6.16%6.69%7.97%7.94%+162 bps
Liquidity & Funding
Loans / Shares30.76%31.40%34.41%36.70%34.94%+418 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps