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Bridgeport Fairfield Teachers

Bridgeport, CT · Charter 36

NCUA · 1 branch

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bridgeport Fairfield Teachers

Bridgeport, CT · Charter 36

NCUA · 1 branch

Q3 2017

$5.5MAssets
$2.1MLoans
$4.0MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.51%, down 406 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 3.14% of loans (-60 bps YoY).
  • Capital: net worth / assets of 26.25%, up 19 bps from a year ago.
  • Funding: loans stand at 52.01% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-3.51%-406 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-93 bps YoY

Efficiency Ratio (YTD, annualized)

180.93%+10,649 bps YoY

Net Worth / Assets

26.25%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.55%0.58%0.43%-0.99%-3.51%-406 bps
Return on Equity2.11%2.14%1.57%-3.84%-13.38%-1,549 bps
Net Interest Margin4.73%4.87%4.67%3.07%3.80%-93 bps
Efficiency Ratio74.44%74.23%79.54%116.64%180.93%+10,649 bps
Growth
Asset Growth (YoY)1.84%-4.32%-5.21%-3.93%-9.25%-1,109 bps
Loan Growth (YoY)-8.07%-8.64%-11.78%-13.34%-15.62%-754 bps
Share Growth (YoY)1.71%-6.54%-7.69%-4.98%-9.48%-1,119 bps
Asset Quality
Delinquent Loans / Loans3.74%4.24%4.84%2.15%3.14%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%2.37%2.60%1.99%2.11%-21 bps
Capital
Risk-Based Capital26.07%27.15%27.26%25.88%26.25%+19 bps
Net Worth / Assets26.07%27.15%27.26%25.88%26.25%+19 bps
Liquidity & Funding
Loans / Shares55.79%57.76%54.10%48.63%52.01%-378 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps