Bridgeport, CT · Charter 36
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bridgeport, CT · Charter 36
NCUA · 1 branch
Q3 2017
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.58% | 0.43% | -0.99% | -3.51% | -406 bps | |
| Return on Equity | 2.11% | 2.14% | 1.57% | -3.84% | -13.38% | -1,549 bps | |
| Net Interest Margin | 4.73% | 4.87% | 4.67% | 3.07% | 3.80% | -93 bps | |
| Efficiency Ratio | 74.44% | 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 / Loans | 3.74% | 4.24% | 4.84% | 2.15% | 3.14% | -60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.32% | 2.37% | 2.60% | 1.99% | 2.11% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.07% | 27.15% | 27.26% | 25.88% | 26.25% | +19 bps | |
| Net Worth / Assets | 26.07% | 27.15% | 27.26% | 25.88% | 26.25% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.79% | 57.76% | 54.10% | 48.63% | 52.01% | -378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |