PackageTrendsPeer
Letter portraitLegal landscape

Warnaco Employees

Bridgeport, CT · Charter 21990

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Warnaco Employees

Bridgeport, CT · Charter 21990

Q4 2013

$595KAssets
$347KLoans
$506KShares
$81KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.30%, down 30 bps year over year; NIM at 6.07%.
  • Asset quality: problem loans at 3.13% of loans (+277 bps YoY).
  • Capital: net worth / assets of 13.61%, up 211 bps from a year ago.
  • Funding: loans stand at 68.64% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.30%-30 bps YoY

Net Interest Margin (YTD, annualized)

6.07%+148 bps YoY

Efficiency Ratio (YTD, annualized)

160.10%+1,822 bps YoY

Net Worth / Assets

13.61%+211 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-1.01%1.73%-0.40%-1.07%-1.30%-30 bps
Return on Equity-8.77%14.86%-3.66%-9.93%-9.58%-81 bps
Net Interest Margin4.59%5.07%4.90%5.00%6.07%+148 bps
Efficiency Ratio141.88%128.75%139.52%141.86%160.10%+1,822 bps
Growth
Asset Growth (YoY)16.18%11.57%1.23%-9.04%-22.86%-3,904 bps
Loan Growth (YoY)13.22%24.24%10.62%-16.38%-21.62%-3,484 bps
Share Growth (YoY)20.67%13.66%2.42%-8.97%-25.04%-4,572 bps
Asset Quality
Delinquent Loans / Loans0.36%0.35%0.00%1.22%3.13%+277 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.75%1.67%1.61%2.06%0.00%-275 bps
Capital
Risk-Based Capital11.51%11.61%10.93%10.75%13.61%+211 bps
Net Worth / Assets11.51%11.61%10.93%10.75%13.61%+211 bps
Liquidity & Funding
Loans / Shares65.65%64.56%60.13%54.37%68.64%+300 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps