Hartf0rd, CT · Charter 60049
NCUA · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Hartf0rd, CT · Charter 60049
NCUA · 1 branch
Q2 2019
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.59% | -1.47% | -2.65% | -2.79% | -3.07% | -6.51% | -4.98% | -233 bps | |
| Return on Equity | -0.95% | -2.99% | -7.87% | -14.73% | -15.64% | -17.31% | -36.87% | -27.83% | -1,310 bps | |
| Net Interest Margin | 2.27% | 2.45% | 2.38% | 2.54% | 2.66% | 2.75% | 3.04% | 2.95% | +42 bps | |
| Efficiency Ratio | 107.60% | 111.25% | 161.61% | 171.36% | 168.92% | 173.57% | 185.44% | 196.84% | +2,547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.55% | -3.63% | -5.30% | -4.18% | -9.45% | -5.96% | -15.85% | -19.16% | -1,498 bps | |
| Loan Growth (YoY) | -16.06% | -7.66% | -8.47% | -10.70% | -11.35% | -21.53% | -22.45% | -24.21% | -1,350 bps | |
| Share Growth (YoY) | -2.81% | -3.84% | -5.67% | -3.00% | -8.71% | -3.65% | -14.66% | -19.05% | -1,604 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.37% | 10.44% | 8.73% | 11.87% | 7.45% | 4.45% | 2.48% | 5.17% | -671 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 | 0.49% | 0.48% | 0.50% | 0.53% | 0.63% | 0.75% | 0.82% | 0.93% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.44% | 19.57% | 18.66% | 18.02% | 17.82% | 17.74% | 17.65% | 17.90% | -11 bps | |
| Net Worth / Assets | 18.44% | 19.57% | 18.66% | 18.02% | 17.82% | 17.74% | 17.65% | 17.90% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.69% | 73.18% | 68.36% | 64.67% | 62.82% | 59.60% | 62.12% | 60.54% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |