Stratford, CT · Charter 1706
NCUA · 3 branches
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.84% | 0.42% | 1.13% | 0.92% | 0.13% | -0.61% | -1.04% | -217 bps | |
| Return on Equity | 1.03% | 9.49% | 4.72% | 12.14% | 9.58% | 1.39% | -6.40% | -10.87% | -2,301 bps | |
| Net Interest Margin | 1.63% | 1.49% | 1.50% | 1.59% | 1.67% | 1.90% | 1.93% | 2.04% | +46 bps | |
| Efficiency Ratio | 95.96% | 70.64% | 82.50% | 63.59% | 68.79% | 89.31% | 122.77% | 139.58% | +7,599 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.16% | 1.14% | 0.15% | 2.76% | 1.48% | 0.41% | -3.03% | -8.94% | -1,170 bps | |
| Loan Growth (YoY) | -0.12% | -8.91% | -7.27% | -7.36% | -5.16% | -3.73% | -5.94% | -16.95% | -959 bps | |
| Share Growth (YoY) | 6.69% | 0.98% | -0.06% | 2.08% | 0.61% | -0.36% | -3.81% | -9.00% | -1,109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.74% | 0.13% | 0.61% | 0.19% | 0.12% | 0.10% | 0.08% | -53 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 | 0.57% | 0.61% | 0.61% | 0.61% | 0.64% | 0.00% | 0.00% | 0.00% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.77% | 8.81% | 8.85% | 9.33% | 9.56% | 9.51% | 9.55% | 9.53% | +19 bps | |
| Net Worth / Assets | 8.77% | 8.81% | 8.85% | 9.33% | 9.56% | 9.51% | 9.55% | 9.53% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.06% | 25.36% | 25.14% | 25.25% | 25.51% | 24.50% | 24.59% | 23.05% | -220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |