Bridgeport, CT · Charter 36
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.46% | 0.39% | 0.55% | 0.58% | 0.43% | -0.99% | -3.51% | -406 bps | |
| Return on Equity | 2.01% | 1.80% | 1.58% | 2.11% | 2.14% | 1.57% | -3.84% | -13.38% | -1,549 bps | |
| Net Interest Margin | 4.70% | 4.74% | 4.55% | 4.73% | 4.87% | 4.67% | 3.07% | 3.80% | -93 bps | |
| Efficiency Ratio | 77.55% | 75.06% | 78.97% | 74.44% | 74.23% | 79.54% | 116.64% | 180.93% | +10,649 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.93% | 3.35% | 2.08% | 1.84% | -4.32% | -5.21% | -3.93% | -9.25% | -1,109 bps | |
| Loan Growth (YoY) | 2.76% | 2.90% | -4.50% | -8.07% | -8.64% | -11.78% | -13.34% | -15.62% | -754 bps | |
| Share Growth (YoY) | 3.22% | 3.71% | 1.93% | 1.71% | -6.54% | -7.69% | -4.98% | -9.48% | -1,119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.76% | 1.71% | 2.07% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.31% | 2.30% | 1.96% | 2.32% | 2.37% | 2.60% | 1.99% | 2.11% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.42% | 25.30% | 24.99% | 26.07% | 27.15% | 27.26% | 25.88% | 26.25% | +19 bps | |
| Net Worth / Assets | 25.42% | 25.30% | 24.99% | 26.07% | 27.15% | 27.26% | 25.88% | 26.25% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.09% | 56.61% | 53.32% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |