PackageTrendsPeer
Letter portraitLegal landscape

Brand-Rex Employees

Willimantic, CT · Charter 61361

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

Brand-Rex Employees

Willimantic, CT · Charter 61361

Q4 2013

$830KAssets
$135KLoans
$771KShares
$58KNet Worth

Executive Summary

  • Earnings: ROA of -1.96%, down 80 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 2.04% of loans (+204 bps YoY).
  • Capital: net worth / assets of 7.03%, down 369 bps from a year ago.
  • Funding: loans stand at 17.50% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-1.96%-80 bps YoY

Net Interest Margin (YTD, annualized)

1.61%-102 bps YoY

Efficiency Ratio (YTD, annualized)

222%+7,778 bps YoY

Net Worth / Assets

7.03%-369 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-1.12%-1.05%-1.24%-1.16%-1.14%-1.74%-2.07%-1.96%-80 bps
Return on Equity-9.87%-9.53%-12.10%-10.78%-11.34%-18.39%-23.99%-27.86%-1,708 bps
Net Interest Margin2.62%2.55%2.44%2.63%2.37%2.20%1.97%1.61%-102 bps
Efficiency Ratio142.76%141.07%151.00%143.91%148.06%179.07%205%222%+7,778 bps
Growth
Asset Growth (YoY)-0.97%0.10%3.50%1.94%0.58%-0.53%-1.93%19.27%+1,732 bps
Loan Growth (YoY)-19.63%-18.87%-11.16%-11.04%-7.34%-14.87%-23.40%-30.00%-1,897 bps
Share Growth (YoY)0.64%1.44%5.38%3.72%2.08%1.19%-0.14%24.22%+2,050 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%1.66%2.04%+204 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.76%0.76%0.75%0.77%0.82%0.89%0.97%1.10%+33 bps
Capital
Risk-Based Capital11.35%11.01%10.27%10.73%10.03%9.47%8.63%7.03%-369 bps
Net Worth / Assets11.35%11.01%10.27%10.73%10.03%9.47%8.63%7.03%-369 bps
Liquidity & Funding
Loans / Shares30.52%30.19%29.62%31.06%27.71%25.40%22.72%17.50%-1,356 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps