Danbury, CT · Charter 60268
NCUA · 1 branch
Q2 2019
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.75% | -2.53% | -2.47% | -1.51% | 0.09% | +384 bps | |
| Return on Equity | -18.74% | -12.50% | -12.06% | -7.61% | 0.46% | +1,920 bps | |
| Net Interest Margin | 2.63% | 2.70% | 2.80% | 2.70% | 2.71% | +8 bps | |
| Efficiency Ratio | 129.76% | 124.61% | 123.30% | 140.89% | 134.65% | +489 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.83% | -5.18% | -6.82% | -8.36% | -1.96% | +187 bps | |
| Loan Growth (YoY) | 8.46% | -4.07% | -4.35% | -3.76% | 9.09% | +63 bps | |
| Share Growth (YoY) | -1.87% | -3.99% | -5.77% | -8.03% | -2.04% | -17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.80% | 3.86% | 4.47% | 4.68% | 1.01% | -379 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.01% | 20.28% | 20.46% | 19.83% | 19.96% | -4 bps | |
| Net Worth / Assets | 20.01% | 20.28% | 20.46% | 19.83% | 19.96% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |