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Workers

Stafford Sprngs, CT · Charter 1606

NCUA · 2 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Workers

Stafford Sprngs, CT · Charter 1606

NCUA · 2 branches

Q4 2017

$17.1MAssets
$13.3MLoans
$15.9MShares
$826KNet 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 -0.96%, down 12 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 1.15% of loans (+54 bps YoY).
  • Capital: net worth / assets of 4.83%, down 21 bps from a year ago.
  • Funding: loans stand at 83.76% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.96%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+31 bps YoY

Efficiency Ratio (YTD, annualized)

102.16%-752 bps YoY

Net Worth / Assets

4.83%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-0.83%0.02%-0.46%-0.45%-0.96%-12 bps
Return on Equity-16.55%0.35%-9.35%-8.87%-19.84%-329 bps
Net Interest Margin3.82%3.54%3.72%3.83%4.14%+31 bps
Efficiency Ratio109.69%101.77%102.89%102.81%102.16%-752 bps
Growth
Asset Growth (YoY)-9.89%-4.22%-3.96%-7.43%-13.09%-319 bps
Loan Growth (YoY)-6.72%-8.45%-4.31%2.08%2.62%+935 bps
Share Growth (YoY)-9.72%-3.73%-3.68%-7.77%-14.53%-481 bps
Asset Quality
Delinquent Loans / Loans0.61%0.69%1.04%1.43%1.15%+54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.61%0.70%0.74%1.35%+66 bps
Capital
Risk-Based Capital5.04%4.86%4.92%5.04%4.83%-21 bps
Net Worth / Assets5.04%4.86%4.92%5.04%4.83%-21 bps
Liquidity & Funding
Loans / Shares69.76%66.18%69.90%76.22%83.76%+1,400 bps
Liquid Assets / Assets98.97%0.00%0.00%0.00%0.00%-9,897 bps