Manchester, CT · Charter 2709
NCUA · 3 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
50
Profitability
42
Liquidity
40
Efficiency
45
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Manchester, CT · Charter 2709
NCUA · 3 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.69% | 0.65% | 0.76% | 0.71% | 0.79% | 0.79% | 0.53% | -24 bps | |
| Return on Equity | 8.85% | 6.70% | 6.04% | 6.91% | 6.38% | 6.64% | 6.62% | 4.55% | -237 bps | |
| Net Interest Margin | 2.66% | 2.74% | 2.82% | 2.79% | 2.91% | 3.10% | 3.12% | 3.12% | +33 bps | |
| Efficiency Ratio | 77.60% | 80.29% | 80.05% | 77.46% | 77.89% | 77.76% | 76.48% | 82.26% | +481 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -6.23% | -8.74% | -9.26% | -6.02% | -8.44% | -4.60% | 0.41% | +968 bps | |
| Loan Growth (YoY) | 2.61% | 2.40% | 5.19% | 2.31% | 2.53% | 0.75% | 0.02% | 2.86% | +55 bps | |
| Share Growth (YoY) | -6.45% | -10.03% | -12.36% | -10.77% | -7.31% | -8.12% | -4.14% | -0.82% | +995 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.12% | 0.29% | 0.18% | 0.12% | 0.48% | 0.21% | 0.49% | +31 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 | 0.27% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.00% | 10.27% | 10.71% | 11.04% | 11.09% | 11.83% | 11.92% | 11.61% | +57 bps | |
| Net Worth / Assets | 10.00% | 10.27% | 10.71% | 11.04% | 11.09% | 11.83% | 11.92% | 11.61% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.35% | 41.27% | 43.33% | 42.22% | 42.43% | 45.25% | 45.21% | 43.78% | +157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manchester, CT · Charter 2709 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=20)
NCUA · 3 branches
Q1 2025
Return on Assets
0.53%
Rank 11 of 20
Net Interest Margin
3.11%
Rank 12 of 20
Efficiency Ratio
82.33%
Rank 12 of 20
Equity / Assets
11.61%
Rank 4 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.33% | 0.55% | 0.78% | Beats 45% | 11 / 20 | ||
| Return on Equity | 4.56% | 2.62% | 5.64% | 7.58% | Beats 40% | 12 / 20 | ||
| Net Interest Margin | 3.11% | 2.90% | 3.52% | 4.50% | Beats 40% | 12 / 20 | ||
| Efficiency Ratio | 82.33% | 75.26% | 81.64% | 86.62% | Beats 45% | 12 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.49% | 1.30% | Beats 50% | 11 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.61% | 8.89% | 9.83% | 11.01% | Beats 80% | 4 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.61% | 8.89% | 9.83% | 11.01% | Beats 80% | 4 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.78% | 43.78% | 64.58% | 70.60% | 25th pctl | 15 / 20 | ||
| Loans / Assets | 38.62% | 38.62% | 58.62% | 62.60% | 25th pctl | 15 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||