East Norwalk, CT · Charter 60168
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.28% | -0.48% | -0.76% | -1.57% | -1.40% | +89 bps | |
| Return on Equity | -40.82% | -9.17% | -14.88% | -33.52% | -30.84% | +997 bps | |
| Net Interest Margin | 3.38% | 3.56% | 2.80% | 2.81% | 2.63% | -75 bps | |
| Efficiency Ratio | 128.13% | 111.35% | 121.48% | 143.00% | 137.77% | +964 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.70% | -5.04% | -2.09% | -1.18% | -6.03% | -33 bps | |
| Loan Growth (YoY) | -14.78% | -12.97% | -14.41% | -17.46% | -21.14% | -636 bps | |
| Share Growth (YoY) | 0.33% | -2.04% | 4.13% | -0.20% | -8.18% | -851 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 1.74% | 2.73% | 3.14% | 4.19% | +249 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.62% | 2.75% | 2.73% | 2.99% | 2.78% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.59% | 5.26% | 5.10% | 4.69% | 4.52% | -107 bps | |
| Net Worth / Assets | 5.59% | 5.26% | 5.10% | 4.69% | 4.52% | -107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.97% | 40.62% | 38.68% | 40.12% | 36.90% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |