PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C S P Employees

Somers, CT · Charter 6418

NCUA · 2 branches

Q1 2025

$10.3MAssets
$2.3MLoans
$9.1MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, down 2 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.16% of loans (-1 bps YoY).
  • Capital: net worth / assets of 12.00%, up 63 bps from a year ago.
  • Funding: loans stand at 24.92% of shares as of Q1 2025.

Return on Assets (YTD, annualized)

0.52%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+34 bps YoY

Efficiency Ratio (YTD, annualized)

85.89%+292 bps YoY

Net Worth / Assets

12.00%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.22%0.32%0.32%0.54%0.48%0.50%0.40%0.52%-2 bps
Return on Equity2.09%2.92%2.82%4.77%4.21%4.18%3.40%4.34%-42 bps
Net Interest Margin2.76%2.91%3.02%3.11%3.16%3.36%3.37%3.45%+34 bps
Efficiency Ratio90.53%88.21%88.87%82.97%85.10%85.42%88.10%85.89%+292 bps
Growth
Asset Growth (YoY)-3.61%-7.07%-9.07%-6.50%-4.23%-5.09%-1.51%-2.00%+450 bps
Loan Growth (YoY)35.24%17.59%24.38%20.32%-1.41%1.75%-3.22%-9.47%-2,978 bps
Share Growth (YoY)-4.49%-8.24%-10.55%-7.61%-5.04%-6.03%-2.09%-2.45%+516 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.17%0.23%0.15%1.37%0.16%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.44%10.91%11.26%11.38%11.35%11.94%11.84%12.00%+63 bps
Net Worth / Assets10.44%10.91%11.26%11.38%11.35%11.94%11.84%12.00%+63 bps
Liquidity & Funding
Loans / Shares25.39%25.03%25.55%26.85%26.36%27.10%25.26%24.92%-193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps