Wallingford, CT · Charter 2536
NCUA · 2 branches
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.43% | 0.23% | 0.94% | 0.47% | 0.44% | 0.42% | 0.07% | -0.81% | -128 bps | |
| Return on Equity | 17.76% | 1.73% | 6.58% | 3.22% | 3.08% | 2.94% | 0.46% | -5.82% | -904 bps | |
| Net Interest Margin | 3.76% | 3.43% | 3.54% | 3.54% | 3.44% | 3.26% | 3.25% | 3.32% | -23 bps | |
| Efficiency Ratio | 57.99% | 97.74% | 93.43% | 100.47% | 103.17% | 94.40% | 104.24% | 125.41% | +2,494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | 2.16% | -0.39% | 0.58% | -1.75% | -1.95% | 0.44% | -0.37% | -95 bps | |
| Loan Growth (YoY) | -10.98% | -10.08% | -16.71% | -14.01% | -15.67% | -12.22% | -7.37% | -6.86% | +715 bps | |
| Share Growth (YoY) | 1.86% | 1.98% | 0.04% | 1.23% | -2.57% | -2.81% | 0.50% | 0.23% | -100 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.09% | 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 | 3.10% | 3.09% | 2.71% | 2.54% | 2.16% | 2.00% | 2.00% | 2.02% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.69% | 13.44% | 14.28% | 14.45% | 14.38% | 14.18% | 14.22% | 14.00% | -46 bps | |
| Net Worth / Assets | 13.69% | 13.44% | 14.28% | 14.45% | 14.38% | 14.18% | 14.22% | 14.00% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.34% | 49.16% | 46.70% | 47.60% | 44.43% | 44.40% | 43.05% | 44.23% | -337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |