Stratford, CT · Charter 366
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Stratford, CT · Charter 366
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.33% | 0.40% | 0.36% | -0.07% | -52 bps | |
| Return on Equity | 1.44% | 1.08% | 1.35% | 1.15% | -0.23% | -166 bps | |
| Net Interest Margin | 2.61% | 2.61% | 2.55% | 2.79% | 2.75% | +14 bps | |
| Efficiency Ratio | 81.87% | 86.64% | 83.67% | 86.57% | 101.88% | +2,001 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.74% | 1.02% | 0.57% | 0.24% | -1.94% | -467 bps | |
| Loan Growth (YoY) | 6.81% | 11.27% | 6.76% | 11.76% | 20.63% | +1,382 bps | |
| Share Growth (YoY) | 3.47% | 0.86% | 0.65% | 0.09% | -3.11% | -659 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.55% | 0.54% | 0.37% | 0.09% | -39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.33% | 0.30% | 0.28% | 0.28% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.98% | 31.01% | 30.02% | 31.59% | 31.80% | +83 bps | |
| Net Worth / Assets | 30.98% | 31.01% | 30.02% | 31.59% | 31.80% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.49% | 64.60% | 63.09% | 72.46% | 79.05% | +1,556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |