Ansonia, CT · Charter 2591
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ansonia, CT · Charter 2591
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.73% | -1.53% | -1.49% | -1.99% | -8.70% | -697 bps | |
| Return on Equity | -10.34% | -8.83% | -8.71% | -12.70% | -81.25% | -7,091 bps | |
| Net Interest Margin | 1.91% | 1.88% | 1.21% | 1.13% | -4.47% | -638 bps | |
| Efficiency Ratio | 182.04% | 177.98% | 222% | 275% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -14.03% | -14.54% | -6.15% | -2.76% | -4.93% | +910 bps | |
| Loan Growth (YoY) | -13.57% | -32.30% | -36.04% | -36.99% | -37.35% | -2,377 bps | |
| Share Growth (YoY) | -15.24% | -15.77% | -5.13% | -0.88% | -3.13% | +1,211 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 5.70% | 4.50% | 4.80% | 5.20% | 5.87% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.69% | 17.37% | 17.15% | 15.71% | 10.71% | -598 bps | |
| Net Worth / Assets | 16.69% | 17.37% | 17.15% | 15.71% | 10.71% | -598 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.66% | 3.37% | 3.16% | 2.58% | 2.37% | -129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |