West Haven, CT · Charter 2936
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
West Haven, CT · Charter 2936
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.33% | -3.64% | -3.86% | -2.02% | -8.74% | -641 bps | |
| Return on Equity | -32.01% | -58.10% | -70.55% | -42.45% | -838% | -80,552 bps | |
| Net Interest Margin | 2.38% | 2.46% | 2.61% | 2.51% | 2.20% | -18 bps | |
| Efficiency Ratio | 171.46% | 178.22% | 188.02% | 151.62% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.69% | -10.32% | -9.10% | -4.48% | -8.59% | +110 bps | |
| Loan Growth (YoY) | -27.31% | 24.93% | 33.46% | 31.89% | 32.04% | +5,935 bps | |
| Share Growth (YoY) | -6.66% | -6.95% | -6.23% | -1.20% | -3.26% | +340 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.74% | 3.52% | 2.10% | 0.43% | 0.06% | -768 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.54% | 3.23% | 3.37% | 3.89% | 4.45% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.28% | 6.26% | 5.47% | 4.76% | 1.04% | -623 bps | |
| Net Worth / Assets | 7.28% | 6.26% | 5.47% | 4.76% | 1.04% | -623 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.52% | 35.08% | 34.11% | 29.98% | 28.00% | +749 bps | |
| Liquid Assets / Assets | 98.56% | 0.00% | 0.00% | 98.70% | 0.00% | -9,856 bps | |