Bethel, CT · Charter 23940
NCUA · 2 branches
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.66% | 0.58% | 0.27% | 0.12% | -0.03% | -0.10% | -34.41% | -3,468 bps | |
| Return on Equity | 3.73% | 3.65% | 3.16% | 1.51% | 0.68% | -0.16% | -0.60% | -457% | -45,817 bps | |
| Net Interest Margin | 5.44% | 5.33% | 5.41% | 5.18% | 4.62% | 4.40% | 4.28% | -17.59% | -2,276 bps | |
| Efficiency Ratio | 87.57% | 85.59% | 87.24% | 94.81% | 97.52% | 100.61% | 101.53% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -1.13% | 2.26% | 2.43% | 11.43% | 9.83% | 11.94% | 10.49% | +805 bps | |
| Loan Growth (YoY) | 2.06% | 5.71% | 9.98% | -10.02% | 0.28% | -11.46% | -3.57% | 1.07% | +1,110 bps | |
| Share Growth (YoY) | -3.48% | -2.04% | 2.06% | 2.37% | 13.81% | 11.97% | 15.02% | 21.29% | +1,891 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 3.05% | 2.99% | 3.14% | 3.40% | 3.20% | 3.48% | 3.32% | 3.39% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.63% | 18.13% | 18.47% | 18.00% | 17.00% | 16.56% | 16.41% | 7.53% | -1,047 bps | |
| Net Worth / Assets | 18.63% | 18.13% | 18.47% | 18.00% | 17.00% | 16.56% | 16.41% | 7.53% | -1,047 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.94% | 80.68% | 79.30% | 71.61% | 71.32% | 63.80% | 66.48% | 59.68% | -1,193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |