PackageTrendsPeer
Letter portraitLegal landscape

East Haven Municipal Employees

East Haven, CT · Charter 61727

NCUA · 1 branch

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

East Haven Municipal Employees

East Haven, CT · Charter 61727

NCUA · 1 branch

Q3 2017

$2.6MAssets
$511KLoans
$2.3MShares
$337KNet 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 -0.37%, down 41 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 7.43% of loans (+626 bps YoY).
  • Capital: net worth / assets of 12.99%, down 28 bps from a year ago.
  • Funding: loans stand at 22.60% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.37%-41 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-12 bps YoY

Efficiency Ratio (YTD, annualized)

104.94%+641 bps YoY

Net Worth / Assets

12.99%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.03%0.11%0.10%-0.58%-0.37%-41 bps
Return on Equity0.26%0.80%0.76%-4.61%-2.86%-311 bps
Net Interest Margin2.27%2.34%2.05%2.18%2.15%-12 bps
Efficiency Ratio98.53%95.47%95.20%107.86%104.94%+641 bps
Growth
Asset Growth (YoY)4.24%2.95%3.61%6.01%0.65%-359 bps
Loan Growth (YoY)-9.97%-5.38%-6.01%-3.27%-8.66%+132 bps
Share Growth (YoY)4.94%3.29%4.09%7.19%0.98%-395 bps
Asset Quality
Delinquent Loans / Loans1.17%1.58%6.43%4.26%7.43%+626 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.04%1.03%0.68%0.51%0.54%-50 bps
Capital
Risk-Based Capital13.27%13.64%13.28%12.55%12.99%-28 bps
Net Worth / Assets13.27%13.64%13.28%12.55%12.99%-28 bps
Liquidity & Funding
Loans / Shares24.99%25.87%24.25%23.42%22.60%-238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps