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Connecticut Energy Employees

Bridgeport, CT · Charter 60828

Q1 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Connecticut Energy Employees

Bridgeport, CT · Charter 60828

Q1 2012

$3.2MAssets
$812KLoans
$2.5MShares
$722KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.94%, down 40 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 9.61% of loans (+119 bps YoY).
  • Capital: net worth / assets of 22.68%, down 152 bps from a year ago.
  • Funding: loans stand at 33.06% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.94%-40 bps YoY

Net Interest Margin (YTD, annualized)

2.69%-34 bps YoY

Efficiency Ratio (YTD, annualized)

134.61%+62 bps YoY

Net Worth / Assets

22.68%-152 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.54%-1.21%-1.60%-1.33%-0.94%-40 bps
Return on Equity-2.22%-5.02%-6.66%-5.50%-4.12%-190 bps
Net Interest Margin3.03%2.93%2.97%2.96%2.69%-34 bps
Efficiency Ratio133.99%149.44%157.79%149.11%134.61%+62 bps
Growth
Asset Growth (YoY)-4.87%-1.53%-4.73%-4.28%0.66%+554 bps
Loan Growth (YoY)-17.31%-5.42%-6.39%-13.38%-8.49%+882 bps
Share Growth (YoY)-2.44%0.01%-2.95%-3.32%3.06%+550 bps
Asset Quality
Delinquent Loans / Loans8.42%7.77%7.32%6.31%9.61%+119 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.67%2.58%2.76%1.84%1.94%-73 bps
Capital
Risk-Based Capital24.20%24.11%23.99%24.22%22.68%-152 bps
Net Worth / Assets24.20%24.11%23.99%24.22%22.68%-152 bps
Liquidity & Funding
Loans / Shares37.24%38.92%38.44%37.88%33.06%-417 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps