Manchester, CT · Charter 2709
NCUA · 3 branches
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |