Rogers, CT · Charter 5552
NCUA · 1 branch
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.92% | -1.71% | -1.69% | -1.41% | -1.29% | +63 bps | |
| Return on Equity | -24.52% | -21.83% | -22.24% | -21.30% | -18.81% | +572 bps | |
| Net Interest Margin | 3.19% | 3.32% | 3.38% | 3.01% | 3.26% | +7 bps | |
| Efficiency Ratio | 136.21% | 134.32% | 134.91% | 142.47% | 138.64% | +243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.33% | -7.13% | -7.44% | -1.87% | -3.99% | +533 bps | |
| Loan Growth (YoY) | 6.09% | 23.42% | 10.25% | 1.32% | 6.49% | +40 bps | |
| Share Growth (YoY) | -8.78% | -6.92% | -7.57% | 0.34% | -1.65% | +714 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 0.00% | 1.38% | 0.00% | 0.00% | -130 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.51% | 1.62% | 1.65% | 1.38% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 7.83% | 7.60% | 6.64% | 6.86% | -99 bps | |
| Net Worth / Assets | 7.85% | 7.83% | 7.60% | 6.64% | 6.86% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.76% | 24.29% | 23.31% | 21.05% | 23.56% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |