New Haven, CT · Charter 6626
NCUA · 5 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
59
Profitability
35
Liquidity
50
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New Haven, CT · Charter 6626
NCUA · 5 branches
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 1.75% | 1.30% | 0.98% | 0.21% | 0.30% | 0.26% | 0.18% | -80 bps | |
| Return on Equity | 6.19% | 14.17% | 10.46% | 7.49% | 1.74% | 2.29% | 1.95% | 1.29% | -620 bps | |
| Net Interest Margin | 3.50% | 3.66% | 3.67% | 2.75% | 3.40% | 3.69% | 3.72% | 3.96% | +120 bps | |
| Efficiency Ratio | 87.41% | 74.06% | 79.04% | 79.04% | 95.91% | 92.96% | 93.46% | 94.85% | +1,581 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.49% | -8.51% | -8.85% | -4.29% | -4.03% | -3.81% | -3.70% | -7.79% | -350 bps | |
| Loan Growth (YoY) | 11.98% | 7.97% | 3.59% | 4.97% | 3.17% | -0.47% | -4.22% | -4.51% | -949 bps | |
| Share Growth (YoY) | -7.19% | -9.96% | -11.42% | -6.86% | -6.26% | -5.63% | -4.45% | -8.82% | -195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.54% | 0.60% | 0.60% | 0.23% | 0.29% | 0.38% | 0.53% | -8 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.05% | 12.32% | 12.45% | 13.05% | 12.31% | 13.02% | 13.07% | 13.57% | +52 bps | |
| Net Worth / Assets | 11.05% | 12.32% | 12.45% | 13.05% | 12.31% | 13.02% | 13.07% | 13.57% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.63% | 76.88% | 79.74% | 79.74% | 77.73% | 81.08% | 79.94% | 83.50% | +376 bps | |
| Liquid Assets / Assets | 97.85% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Haven, CT · Charter 6626 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 5 branches
Q4 2024
Return on Assets
0.18%
Rank 1,373 of 1,724
Net Interest Margin
3.96%
Rank 604 of 1,723
Efficiency Ratio
94.86%
Rank 1,514 of 1,721
Equity / Assets
13.57%
Rank 690 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.25% | 0.67% | 1.13% | Beats 20% | 1,373 / 1,724 | ||
| Return on Equity | 1.29% | 1.95% | 5.34% | 8.54% | Beats 20% | 1,384 / 1,723 | ||
| Net Interest Margin | 3.96% | 3.03% | 3.61% | 4.27% | Beats 65% | 604 / 1,723 | ||
| Efficiency Ratio | 94.86% | 69.84% | 78.36% | 87.50% | Beats 12% | 1,514 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.28% | 0.70% | 1.38% | Beats 59% | 700 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.57% | 10.16% | 12.41% | 16.03% | Beats 60% | 691 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.57% | 10.15% | 12.41% | 16.03% | Beats 60% | 690 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.50% | 55.95% | 72.66% | 85.34% | 71st pctl | 494 / 1,722 | ||
| Loans / Assets | 72.95% | 47.91% | 62.00% | 72.82% | 75th pctl | 423 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||