Middletown, CT · Charter 21155
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | -0.15% | -0.66% | -0.58% | -0.83% | -71 bps | |
| Return on Equity | -0.90% | -1.13% | -5.00% | -4.78% | -6.66% | -576 bps | |
| Net Interest Margin | 2.99% | 2.99% | 2.75% | 2.57% | 2.70% | -29 bps | |
| Efficiency Ratio | 103.26% | 104.10% | 119.60% | 116.02% | 123.09% | +1,983 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.71% | 3.99% | 2.46% | 3.04% | 1.66% | -305 bps | |
| Loan Growth (YoY) | -1.29% | -7.55% | -7.54% | -13.27% | -13.63% | -1,233 bps | |
| Share Growth (YoY) | 5.59% | 4.82% | 3.11% | 3.88% | 2.82% | -277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.27% | 1.84% | 1.06% | 0.96% | 1.03% | -123 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.19% | 0.19% | 0.16% | 0.16% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.43% | 13.37% | 13.11% | 12.20% | 12.53% | -91 bps | |
| Net Worth / Assets | 13.43% | 13.37% | 13.11% | 12.20% | 12.53% | -91 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.18% | 51.94% | 51.32% | 45.01% | 46.36% | -882 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |