Putnam, CT · Charter 66057
NCUA · 2 branches
Q1 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.54% | 0.59% | 0.00% | -4.11% | -477 bps | |
| Return on Equity | 4.77% | 3.74% | 3.97% | 0.03% | -31.11% | -3,588 bps | |
| Net Interest Margin | 3.28% | 3.44% | 3.53% | 3.49% | 3.43% | +15 bps | |
| Efficiency Ratio | 78.61% | 82.45% | 81.41% | 98.34% | 211% | +13,204 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.73% | -9.70% | -8.54% | -3.03% | -3.11% | +462 bps | |
| Loan Growth (YoY) | 18.42% | 12.48% | 12.58% | 8.10% | 3.08% | -1,534 bps | |
| Share Growth (YoY) | -9.39% | -11.72% | -10.32% | -4.15% | -2.94% | +645 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.84% | 0.86% | 0.82% | 0.88% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.95% | 14.44% | 14.81% | 14.19% | 13.20% | -75 bps | |
| Net Worth / Assets | 13.95% | 14.44% | 14.81% | 14.19% | 13.20% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.05% | 62.09% | 66.47% | 64.83% | 63.77% | +372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |