Wetherfield, CT · Charter 60482
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Wetherfield, CT · Charter 60482
Q3 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.48% | -1.96% | -0.68% | -0.66% | -3.57% | -210 bps | |
| Return on Equity | -8.04% | -10.72% | -3.92% | -3.67% | -22.44% | -1,440 bps | |
| Net Interest Margin | 2.90% | 3.03% | 2.90% | 3.03% | 3.13% | +23 bps | |
| Efficiency Ratio | 155.23% | 166.36% | 118.16% | 116.86% | 152.52% | -271 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.77% | -10.62% | -4.23% | -4.43% | -5.41% | -63 bps | |
| Loan Growth (YoY) | -1.57% | 1.05% | 3.50% | 5.67% | 4.26% | +583 bps | |
| Share Growth (YoY) | -3.53% | -10.68% | -3.07% | -3.33% | -2.33% | +120 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.37% | 0.77% | 3.26% | 0.96% | -39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.49% | 2.46% | 2.46% | 2.50% | 3.08% | +59 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.38% | 18.33% | 17.26% | 17.86% | 15.92% | -245 bps | |
| Net Worth / Assets | 18.38% | 18.33% | 17.26% | 17.86% | 15.92% | -245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.50% | 96.54% | 90.32% | 95.16% | 94.47% | +597 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |