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Consolidated Controls Corp.

Bethel, CT · Charter 23940

NCUA · 2 branches

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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

Consolidated Controls Corp.

Bethel, CT · Charter 23940

NCUA · 2 branches

Q1 2021

$1.3MAssets
$694KLoans
$1.2MShares
$98KNet 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 -34.41%, down 3,468 bps year over year; NIM at -17.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.53%, down 1,047 bps from a year ago.
  • Funding: loans stand at 59.68% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-34.41%-3,468 bps YoY

Net Interest Margin (YTD, annualized)

-17.59%-2,276 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

7.53%-1,047 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.27%0.12%-0.03%-0.10%-34.41%-3,468 bps
Return on Equity1.51%0.68%-0.16%-0.60%-457%-45,817 bps
Net Interest Margin5.18%4.62%4.40%4.28%-17.59%-2,276 bps
Efficiency Ratio94.81%97.52%100.61%101.53%n/an/a
Growth
Asset Growth (YoY)2.43%11.43%9.83%11.94%10.49%+805 bps
Loan Growth (YoY)-10.02%0.28%-11.46%-3.57%1.07%+1,110 bps
Share Growth (YoY)2.37%13.81%11.97%15.02%21.29%+1,891 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.40%3.20%3.48%3.32%3.39%-1 bps
Capital
Risk-Based Capital18.00%17.00%16.56%16.41%7.53%-1,047 bps
Net Worth / Assets18.00%17.00%16.56%16.41%7.53%-1,047 bps
Liquidity & Funding
Loans / Shares71.61%71.32%63.80%66.48%59.68%-1,193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps