Stratford, CT · Charter 366
NCUA · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.59% | 0.50% | 0.44% | 0.33% | 0.40% | 0.36% | -0.07% | -52 bps | |
| Return on Equity | 0.80% | 1.98% | 1.61% | 1.44% | 1.08% | 1.35% | 1.15% | -0.23% | -166 bps | |
| Net Interest Margin | 2.05% | 2.54% | 2.64% | 2.61% | 2.61% | 2.55% | 2.79% | 2.75% | +14 bps | |
| Efficiency Ratio | 88.51% | 74.42% | 79.61% | 81.87% | 86.64% | 83.67% | 86.57% | 101.88% | +2,001 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.95% | -0.32% | -0.44% | 2.74% | 1.02% | 0.57% | 0.24% | -1.94% | -467 bps | |
| Loan Growth (YoY) | 5.47% | 14.20% | 12.82% | 6.81% | 11.27% | 6.76% | 11.76% | 20.63% | +1,382 bps | |
| Share Growth (YoY) | -2.44% | -0.73% | -1.14% | 3.47% | 0.86% | 0.65% | 0.09% | -3.11% | -659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.26% | 0.27% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.31% | 0.31% | 0.33% | 0.33% | 0.30% | 0.28% | 0.28% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.85% | 29.98% | 31.38% | 30.98% | 31.01% | 30.02% | 31.59% | 31.80% | +83 bps | |
| Net Worth / Assets | 30.85% | 29.98% | 31.38% | 30.98% | 31.01% | 30.02% | 31.59% | 31.80% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.56% | 59.49% | 64.89% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |