Trumbull, CT · Charter 22293
NCUA · 6 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Trumbull, CT · Charter 22293
NCUA · 6 branches
Q2 2016
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.06% | 0.08% | 0.20% | 0.30% | +25 bps | |
| Return on Equity | 0.46% | 0.65% | 0.74% | 2.11% | 3.06% | +260 bps | |
| Net Interest Margin | 3.97% | 4.24% | 4.48% | 4.44% | 4.44% | +47 bps | |
| Efficiency Ratio | 91.62% | 93.36% | 93.38% | 89.78% | 90.56% | -107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.58% | -9.08% | -8.53% | -4.93% | 0.57% | +1,015 bps | |
| Loan Growth (YoY) | 5.31% | 8.37% | 10.06% | 14.53% | 6.33% | +102 bps | |
| Share Growth (YoY) | -9.46% | -9.01% | -9.33% | -5.60% | 0.29% | +975 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 1.77% | 1.53% | 1.05% | 1.65% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 2.13% | 1.64% | 1.89% | 1.35% | -64 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.51% | 9.88% | 10.23% | 9.51% | 9.66% | +14 bps | |
| Net Worth / Assets | 9.51% | 9.88% | 10.23% | 9.51% | 9.66% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.44% | 54.33% | 57.43% | 53.74% | 53.48% | +304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |