PackageTrendsPeer
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Connecticut

North Haven, CT · Charter 23411

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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 2026-10-10

Connecticut

North Haven, CT · Charter 23411

NCUA · 1 branch

Q4 2019

$7.7MAssets
$791KLoans
$7.0MShares
$695KNet Worth

Executive Summary

  • Earnings: ROA of 0.04%, up 98 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 1.82% of loans (-16 bps YoY).
  • Capital: net worth / assets of 9.06%, up 14 bps from a year ago.
  • Funding: loans stand at 11.35% of shares as of Q4 2019.

Return on Assets (YTD, annualized)

0.04%+98 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+20 bps YoY

Efficiency Ratio (YTD, annualized)

98.97%-3,021 bps YoY

Net Worth / Assets

9.06%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-0.09%-0.08%-0.03%-0.95%0.06%0.14%0.12%0.04%+98 bps
Return on Equity-1.04%-0.99%-0.38%-10.62%0.69%1.64%1.38%0.40%+1,102 bps
Net Interest Margin2.21%2.23%2.27%2.41%2.47%2.55%2.64%2.62%+20 bps
Efficiency Ratio102.79%102.68%100.93%129.18%98.16%95.76%96.51%98.97%-3,021 bps
Growth
Asset Growth (YoY)1.32%3.27%1.53%-1.07%-0.55%-0.58%-2.46%-1.10%-3 bps
Loan Growth (YoY)-1.75%-1.61%18.41%24.67%22.79%16.74%8.13%2.09%-2,258 bps
Share Growth (YoY)1.76%3.77%1.75%-1.15%-0.59%-0.72%-2.76%-1.24%-9 bps
Asset Quality
Delinquent Loans / Loans0.76%1.29%0.88%1.98%2.02%3.10%1.74%1.82%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.62%1.29%1.09%1.13%1.29%1.27%1.17%1.31%+18 bps
Capital
Risk-Based Capital8.62%8.61%8.57%8.92%8.68%8.75%8.88%9.06%+14 bps
Net Worth / Assets8.62%8.61%8.57%8.92%8.68%8.75%8.88%9.06%+14 bps
Liquidity & Funding
Loans / Shares8.12%8.45%9.77%10.98%10.03%9.93%10.87%11.35%+37 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps