Hartford, CT · Charter 1863
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hartford, CT · Charter 1863
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.77% | -5.03% | -1.40% | -1.46% | -0.79% | 0.65% | 0.12% | +152 bps | |
| Return on Equity | 14.58% | 11.00% | -90.31% | -24.44% | -25.75% | -13.42% | 11.09% | 2.32% | +2,675 bps | |
| Net Interest Margin | 7.73% | 7.95% | 7.43% | 7.27% | 7.60% | 7.53% | 7.05% | 5.90% | -137 bps | |
| Efficiency Ratio | 95.96% | 97.95% | 98.25% | 88.81% | 94.41% | 94.75% | 114.37% | 117.46% | +2,865 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.78% | 9.49% | 1.02% | 4.24% | -0.80% | 4.45% | 4.88% | 12.98% | +874 bps | |
| Loan Growth (YoY) | 0.28% | 17.66% | 35.57% | 17.33% | 20.68% | 8.26% | -2.68% | -6.03% | -2,336 bps | |
| Share Growth (YoY) | 9.52% | 9.30% | 1.85% | 5.13% | 0.22% | 5.74% | 4.82% | 13.76% | +863 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.86% | 5.24% | 4.56% | 1.17% | 2.96% | 2.89% | 4.63% | 9.29% | +812 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 | 2.38% | 1.49% | 2.28% | 1.65% | 1.92% | 1.74% | 1.71% | 1.47% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.72% | 7.00% | 5.56% | 5.74% | 5.69% | 5.91% | 5.90% | 5.08% | -65 bps | |
| Net Worth / Assets | 6.72% | 7.00% | 5.56% | 5.74% | 5.69% | 5.91% | 5.90% | 5.08% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.40% | 76.70% | 79.05% | 71.72% | 78.75% | 78.53% | 73.39% | 59.24% | -1,247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |