New London, CT · Charter 60480
NCUA · 1 branch
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.80% | -0.88% | -0.79% | -1.02% | -1.07% | -1.92% | -0.87% | -1.25% | -24 bps | |
| Return on Equity | -3.84% | -4.46% | -3.92% | -5.17% | -5.82% | -9.87% | -4.62% | -6.89% | -172 bps | |
| Net Interest Margin | 3.56% | 3.35% | 3.30% | 3.31% | 3.11% | 3.44% | 3.20% | 3.27% | -4 bps | |
| Efficiency Ratio | 121.02% | 124.73% | 123.16% | 130.02% | 136.37% | 156.48% | 116.80% | 128.62% | -141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.43% | 0.43% | 10.70% | 1.28% | 6.53% | -8.13% | -2.41% | -2.40% | -368 bps | |
| Loan Growth (YoY) | -13.05% | -17.80% | -7.01% | 13.51% | 9.17% | 15.73% | 21.41% | 10.98% | -253 bps | |
| Share Growth (YoY) | -10.92% | 1.74% | 15.63% | 2.99% | 9.78% | -7.92% | -0.96% | -0.66% | -365 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.96% | +196 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 | 0.15% | 0.20% | 0.26% | 0.26% | 0.29% | 0.27% | 0.25% | 0.24% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.75% | 19.64% | 20.20% | 19.69% | 18.38% | 19.45% | 18.80% | 18.21% | -148 bps | |
| Net Worth / Assets | 20.75% | 19.64% | 20.20% | 19.69% | 18.38% | 19.45% | 18.80% | 18.21% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.82% | 60.96% | 65.37% | 74.85% | 67.44% | 76.62% | 80.14% | 83.63% | +878 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |