Norwalk, CT · Charter 4303
NCUA · 1 branch
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.49% | -0.46% | -0.57% | -0.69% | 1.70% | 0.26% | -0.14% | +44 bps | |
| Return on Equity | -5.10% | -5.18% | -5.08% | -6.33% | -7.94% | 19.12% | 2.89% | -1.48% | +485 bps | |
| Net Interest Margin | 3.25% | 2.79% | 2.67% | 2.71% | 2.65% | 2.54% | 2.65% | 2.94% | +23 bps | |
| Efficiency Ratio | 118.73% | 124.59% | 127.80% | 126.43% | 126.91% | 70.01% | 93.78% | 102.52% | -2,390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.35% | 12.90% | 12.93% | 11.39% | 6.80% | 5.39% | -1.02% | -5.56% | -1,695 bps | |
| Loan Growth (YoY) | -4.17% | -5.07% | -4.53% | -14.90% | -6.16% | -6.15% | -6.10% | -9.80% | +510 bps | |
| Share Growth (YoY) | 5.89% | 15.10% | 15.11% | 13.95% | 9.10% | 6.38% | -0.17% | -5.99% | -1,994 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 2.51% | 2.93% | 4.03% | 3.87% | 5.88% | 4.07% | 3.58% | -45 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 | 2.19% | 2.17% | 1.93% | 1.94% | 1.96% | 2.05% | 2.10% | 1.93% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.98% | 9.53% | 9.13% | 9.05% | 8.66% | 8.92% | 8.90% | 9.19% | +14 bps | |
| Net Worth / Assets | 9.98% | 9.53% | 9.13% | 9.05% | 8.66% | 8.92% | 8.90% | 9.19% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.51% | 55.76% | 53.44% | 51.62% | 52.05% | 49.19% | 50.27% | 49.53% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |