Danbury, CT · Charter 60268
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.
Danbury, CT · Charter 60268
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 | -1.17% | -1.21% | -2.36% | -3.75% | -2.53% | -2.47% | -1.51% | 0.09% | +384 bps | |
| Return on Equity | -5.49% | -5.68% | -11.72% | -18.74% | -12.50% | -12.06% | -7.61% | 0.46% | +1,920 bps | |
| Net Interest Margin | 2.21% | 2.29% | 2.45% | 2.63% | 2.70% | 2.80% | 2.70% | 2.71% | +8 bps | |
| Efficiency Ratio | 134.21% | 134.42% | 134.08% | 129.76% | 124.61% | 123.30% | 140.89% | 134.65% | +489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.64% | 8.14% | 7.25% | -3.83% | -5.18% | -6.82% | -8.36% | -1.96% | +187 bps | |
| Loan Growth (YoY) | 19.84% | 12.99% | 15.80% | 8.46% | -4.07% | -4.35% | -3.76% | 9.09% | +63 bps | |
| Share Growth (YoY) | 14.42% | 12.55% | 11.28% | -1.87% | -3.99% | -5.77% | -8.03% | -2.04% | -17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.07% | 11.90% | 9.26% | 5.03% | 7.21% | 3.75% | 4.14% | 6.80% | +177 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 | 1.43% | 1.22% | 2.79% | 4.80% | 3.86% | 4.47% | 4.68% | 1.01% | -379 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.34% | 21.37% | 20.16% | 20.01% | 20.28% | 20.46% | 19.83% | 19.96% | -4 bps | |
| Net Worth / Assets | 21.34% | 21.37% | 20.16% | 20.01% | 20.28% | 20.46% | 19.83% | 19.96% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.86% | 24.20% | 23.07% | 22.83% | 23.84% | 24.57% | 24.14% | 25.42% | +259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |