Somers, CT · Charter 6418
NCUA · 2 branches
Q1 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.48% | 0.50% | 0.40% | 0.52% | -2 bps | |
| Return on Equity | 4.77% | 4.21% | 4.18% | 3.40% | 4.34% | -42 bps | |
| Net Interest Margin | 3.11% | 3.16% | 3.36% | 3.37% | 3.45% | +34 bps | |
| Efficiency Ratio | 82.97% | 85.10% | 85.42% | 88.10% | 85.89% | +292 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.50% | -4.23% | -5.09% | -1.51% | -2.00% | +450 bps | |
| Loan Growth (YoY) | 20.32% | -1.41% | 1.75% | -3.22% | -9.47% | -2,978 bps | |
| Share Growth (YoY) | -7.61% | -5.04% | -6.03% | -2.09% | -2.45% | +516 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.23% | 0.15% | 1.37% | 0.16% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.38% | 11.35% | 11.94% | 11.84% | 12.00% | +63 bps | |
| Net Worth / Assets | 11.38% | 11.35% | 11.94% | 11.84% | 12.00% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.85% | 26.36% | 27.10% | 25.26% | 24.92% | -193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |