Wallingford, CT · Charter 14682
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.02% | 0.12% | 0.38% | 0.11% | +2 bps | |
| Return on Equity | 1.32% | 0.38% | 1.72% | 4.71% | 1.33% | +1 bps | |
| Net Interest Margin | 1.82% | 1.83% | 2.11% | 2.44% | 2.34% | +52 bps | |
| Efficiency Ratio | 92.52% | 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 / Loans | 0.60% | 0.62% | 0.59% | 0.97% | 1.40% | +80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.70% | 1.23% | 0.94% | 1.12% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.32% | 6.16% | 6.69% | 7.97% | 7.94% | +162 bps | |
| Net Worth / Assets | 6.32% | 6.16% | 6.69% | 7.97% | 7.94% | +162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.76% | 31.40% | 34.41% | 36.70% | 34.94% | +418 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |