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Letter portraitLegal landscapeQuarterYTD

Yale-New Haven Healthcare

New Haven, CT · Charter 6626

NCUA · 5 branches

Q4 2024

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

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.

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.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.68%1.75%1.30%0.98%0.21%0.30%0.26%0.18%-80 bps
Return on Equity6.19%14.17%10.46%7.49%1.74%2.29%1.95%1.29%-620 bps
Net Interest Margin3.50%3.66%3.67%2.75%3.40%3.69%3.72%3.96%+120 bps
Efficiency Ratio87.41%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 / Loans0.44%0.54%0.60%0.60%0.23%0.29%0.38%0.53%-8 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 Capital11.05%12.32%12.45%13.05%12.31%13.02%13.07%13.57%+52 bps
Net Worth / Assets11.05%12.32%12.45%13.05%12.31%13.02%13.07%13.57%+52 bps
Liquidity & Funding
Loans / Shares70.63%76.88%79.74%79.74%77.73%81.08%79.94%83.50%+376 bps
Liquid Assets / Assets97.85%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps