East Hartford, CT · Charter 61786
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
East Hartford, CT · Charter 61786
NCUA · 1 branch
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | 0.43% | -0.73% | -0.54% | -2.45% | -7.36% | -0.55% | -0.18% | +36 bps | |
| Return on Equity | -2.59% | 2.64% | -4.57% | -3.35% | -16.04% | -74.12% | -5.27% | -1.92% | +144 bps | |
| Net Interest Margin | 0.36% | 1.66% | 1.66% | 1.80% | 1.67% | -3.95% | 1.11% | 1.19% | -61 bps | |
| Efficiency Ratio | 182.36% | 76.03% | 592% | 156.92% | n/a | n/a | 161.68% | 116.29% | -4,062 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.70% | -2.45% | 0.21% | -1.90% | -6.30% | -8.23% | -12.78% | -14.80% | -1,289 bps | |
| Loan Growth (YoY) | -15.80% | -36.16% | -32.89% | -33.00% | -38.13% | -20.98% | -73.58% | -100.00% | -6,700 bps | |
| Share Growth (YoY) | -2.76% | -2.27% | 1.10% | -0.66% | -3.79% | -0.42% | -6.93% | -7.36% | -670 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.47% | 4.81% | 4.36% | 3.43% | 25.19% | 26.89% | 73.50% | n/a | n/a | |
| 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 | 5.16% | 6.18% | 6.27% | 6.40% | 7.08% | 7.82% | 2.70% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 15.67% | 16.24% | 15.96% | 16.05% | 15.27% | 9.93% | 10.49% | 9.17% | -688 bps | |
| Net Worth / Assets | 15.67% | 16.24% | 15.96% | 16.05% | 15.27% | 9.93% | 10.49% | 9.17% | -688 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.70% | 13.00% | 12.92% | 12.80% | 12.02% | 10.32% | 3.67% | 0.00% | -1,280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |