Stafford Sprngs, CT · Charter 1606
NCUA · 2 branches
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -1.15% | -0.75% | -0.83% | 0.02% | -0.46% | -0.45% | -0.96% | -12 bps | |
| Return on Equity | -5.54% | -22.19% | -14.36% | -16.55% | 0.35% | -9.35% | -8.87% | -19.84% | -329 bps | |
| Net Interest Margin | 3.56% | 3.82% | 3.81% | 3.82% | 3.54% | 3.72% | 3.83% | 4.14% | +31 bps | |
| Efficiency Ratio | 102.44% | 119.46% | 111.55% | 109.69% | 101.77% | 102.89% | 102.81% | 102.16% | -752 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | -4.36% | -3.05% | -9.89% | -4.22% | -3.96% | -7.43% | -13.09% | -319 bps | |
| Loan Growth (YoY) | -2.12% | -4.80% | -6.48% | -6.72% | -8.45% | -4.31% | 2.08% | 2.62% | +935 bps | |
| Share Growth (YoY) | 0.65% | -3.82% | -2.52% | -9.72% | -3.73% | -3.68% | -7.77% | -14.53% | -481 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 0.72% | 1.26% | 0.61% | 0.69% | 1.04% | 1.43% | 1.15% | +54 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 | 1.11% | 0.71% | 0.61% | 0.68% | 0.61% | 0.70% | 0.74% | 1.35% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.33% | 5.18% | 5.23% | 5.04% | 4.86% | 4.92% | 5.04% | 4.83% | -21 bps | |
| Net Worth / Assets | 5.33% | 5.18% | 5.23% | 5.04% | 4.86% | 4.92% | 5.04% | 4.83% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.59% | 70.35% | 68.87% | 69.76% | 66.18% | 69.90% | 76.22% | 83.76% | +1,400 bps | |
| Liquid Assets / Assets | 97.17% | 0.00% | 99.11% | 98.97% | 0.00% | 0.00% | 0.00% | 0.00% | -9,897 bps | |