Newton, CT · Charter 17330
NCUA · 1 branch
Q2 2023
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.66% | 0.80% | 1.25% | 0.97% | +52 bps | |
| Return on Equity | 7.18% | 9.98% | 11.82% | 18.62% | 13.21% | +603 bps | |
| Net Interest Margin | 2.60% | 2.89% | 3.14% | 3.83% | 3.90% | +130 bps | |
| Efficiency Ratio | 85.55% | 80.67% | 77.79% | 77.91% | 80.09% | -546 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.11% | 1.83% | 5.50% | 0.93% | -0.42% | -554 bps | |
| Loan Growth (YoY) | 15.78% | 22.55% | 23.64% | 22.62% | 8.29% | -749 bps | |
| Share Growth (YoY) | 5.83% | 2.94% | 6.27% | 1.83% | 0.17% | -566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 1.76% | 1.54% | 1.68% | 1.60% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.47% | 0.44% | 0.00% | 0.00% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.26% | 6.64% | 6.76% | 6.71% | 7.35% | +110 bps | |
| Net Worth / Assets | 6.26% | 6.64% | 6.76% | 6.71% | 7.35% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.82% | 73.33% | 73.06% | 73.81% | 74.40% | +558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |