Wallingford, CT · Charter 66062
NCUA · 1 branch
Q2 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.58% | 1.75% | 1.64% | 0.71% | 0.58% | -99 bps | |
| Return on Equity | 20.08% | 20.70% | 18.30% | 7.85% | 6.32% | -1,376 bps | |
| Net Interest Margin | 5.18% | 5.31% | 5.38% | 4.72% | 4.73% | -45 bps | |
| Efficiency Ratio | 60.79% | 60.35% | 63.56% | 85.98% | 88.40% | +2,761 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.72% | 8.26% | 3.57% | 1.35% | -3.32% | -1,204 bps | |
| Loan Growth (YoY) | 34.33% | 32.32% | 29.46% | 11.60% | -6.71% | -4,104 bps | |
| Share Growth (YoY) | 3.45% | 3.11% | -1.88% | -3.79% | -3.23% | -668 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.87% | 1.69% | 1.68% | 1.58% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.82% | 0.81% | 0.79% | 0.00% | -79 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.86% | 8.45% | 8.96% | 9.07% | 9.25% | +138 bps | |
| Net Worth / Assets | 7.86% | 8.45% | 8.96% | 9.07% | 9.25% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.27% | 104.66% | 100.58% | 96.24% | 97.63% | -364 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |