East Haven, CT · Charter 61727
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | 0.33% | 0.02% | 0.03% | 0.11% | 0.10% | -0.58% | -0.37% | -41 bps | |
| Return on Equity | -2.44% | 2.38% | 0.18% | 0.26% | 0.80% | 0.76% | -4.61% | -2.86% | -311 bps | |
| Net Interest Margin | 2.55% | 2.37% | 2.33% | 2.27% | 2.34% | 2.05% | 2.18% | 2.15% | -12 bps | |
| Efficiency Ratio | 96.42% | 86.50% | 98.98% | 98.53% | 95.47% | 95.20% | 107.86% | 104.94% | +641 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.49% | 5.80% | 3.15% | 4.24% | 2.95% | 3.61% | 6.01% | 0.65% | -359 bps | |
| Loan Growth (YoY) | -7.02% | -9.68% | -10.84% | -9.97% | -5.38% | -6.01% | -3.27% | -8.66% | +132 bps | |
| Share Growth (YoY) | 8.08% | 7.00% | 3.50% | 4.94% | 3.29% | 4.09% | 7.19% | 0.98% | -395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 1.23% | 1.42% | 1.17% | 1.58% | 6.43% | 4.26% | 7.43% | +626 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 | 0.69% | 0.85% | 0.87% | 1.04% | 1.03% | 0.68% | 0.51% | 0.54% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.92% | 13.74% | 13.51% | 13.27% | 13.64% | 13.28% | 12.55% | 12.99% | -28 bps | |
| Net Worth / Assets | 13.92% | 13.74% | 13.51% | 13.27% | 13.64% | 13.28% | 12.55% | 12.99% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.24% | 26.85% | 25.96% | 24.99% | 25.87% | 24.25% | 23.42% | 22.60% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |