North Haven, CT · Charter 23411
NCUA · 1 branch
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.21% | 2.23% | 2.27% | 2.41% | 2.47% | 2.55% | 2.64% | 2.62% | +20 bps | |
| Efficiency Ratio | 102.79% | 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 / Loans | 0.76% | 1.29% | 0.88% | 1.98% | 2.02% | 3.10% | 1.74% | 1.82% | -16 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 | 1.62% | 1.29% | 1.09% | 1.13% | 1.29% | 1.27% | 1.17% | 1.31% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.62% | 8.61% | 8.57% | 8.92% | 8.68% | 8.75% | 8.88% | 9.06% | +14 bps | |
| Net Worth / Assets | 8.62% | 8.61% | 8.57% | 8.92% | 8.68% | 8.75% | 8.88% | 9.06% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 8.12% | 8.45% | 9.77% | 10.98% | 10.03% | 9.93% | 10.87% | 11.35% | +37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |