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Yale-New Haven Healthcare

New Haven, CT · Charter 6626

NCUA · 5 branches

Q4 2024

$63.4MAssets
$46.2MLoans
$55.3MShares
$8.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.18%, down 80 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.53% of loans (-8 bps YoY).
  • Capital: net worth / assets of 13.57%, up 52 bps from a year ago.
  • Funding: loans stand at 83.50% of shares as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

0.18%-80 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+120 bps YoY

Efficiency Ratio (YTD, annualized)

94.85%+1,581 bps YoY

Net Worth / Assets

13.57%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.98%0.21%0.30%0.26%0.18%-80 bps
Return on Equity7.49%1.74%2.29%1.95%1.29%-620 bps
Net Interest Margin2.75%3.40%3.69%3.72%3.96%+120 bps
Efficiency Ratio79.04%95.91%92.96%93.46%94.85%+1,581 bps
Growth
Asset Growth (YoY)-4.29%-4.03%-3.81%-3.70%-7.79%-350 bps
Loan Growth (YoY)4.97%3.17%-0.47%-4.22%-4.51%-949 bps
Share Growth (YoY)-6.86%-6.26%-5.63%-4.45%-8.82%-195 bps
Asset Quality
Delinquent Loans / Loans0.60%0.23%0.29%0.38%0.53%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.05%12.31%13.02%13.07%13.57%+52 bps
Net Worth / Assets13.05%12.31%13.02%13.07%13.57%+52 bps
Liquidity & Funding
Loans / Shares79.74%77.73%81.08%79.94%83.50%+376 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps