Stamford, CT · Charter 6341
NCUA · 1 branch
Q1 2023
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.22% | -0.28% | -0.03% | -0.35% | -0.17% | -0.36% | -13.95% | -1,392 bps | |
| Return on Equity | -1.01% | -0.87% | -1.14% | -0.12% | -1.45% | -0.71% | -1.41% | -63.86% | -6,374 bps | |
| Net Interest Margin | 1.89% | 1.92% | 1.87% | 1.38% | 1.55% | 1.68% | 1.85% | -4.10% | -548 bps | |
| Efficiency Ratio | 110.99% | 108.91% | 111.89% | 100.95% | 114.98% | 106.96% | 112.58% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 5.73% | 8.85% | 3.22% | 1.40% | 0.52% | -4.16% | -3.19% | -642 bps | |
| Loan Growth (YoY) | -19.75% | -13.42% | -10.49% | -13.01% | -9.50% | -14.62% | -11.15% | -9.98% | +303 bps | |
| Share Growth (YoY) | 8.89% | 8.30% | 12.48% | 4.68% | 2.29% | 1.02% | -5.04% | -1.60% | -628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.68% | 0.93% | 0.87% | 1.20% | 1.14% | 0.75% | 0.17% | -69 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 | 0.90% | 0.93% | 0.88% | 1.02% | 0.80% | 0.97% | 0.89% | 0.00% | -102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.59% | 24.84% | 24.84% | 24.88% | 23.91% | 24.45% | 25.56% | 21.84% | -305 bps | |
| Net Worth / Assets | 24.59% | 24.84% | 24.84% | 24.88% | 23.91% | 24.45% | 25.56% | 21.84% | -305 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.75% | 19.91% | 18.57% | 17.47% | 17.47% | 16.83% | 17.37% | 15.98% | -149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |