Pawcatuck, CT · Charter 66306
NCUA · 3 branches
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.40% | -0.38% | -0.48% | -0.51% | -0.28% | -0.26% | -0.26% | -0.43% | +7 bps | |
| Return on Equity | -5.91% | -5.57% | -7.38% | -8.30% | -4.69% | -4.37% | -4.38% | -7.68% | +61 bps | |
| Net Interest Margin | 2.29% | 2.29% | 2.25% | 2.11% | 2.18% | 2.21% | 2.26% | 2.24% | +13 bps | |
| Efficiency Ratio | 107.56% | 107.34% | 109.95% | 111.90% | 106.26% | 105.76% | 105.21% | 106.62% | -528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.23% | -6.10% | -1.43% | 2.04% | 4.82% | 5.75% | 4.31% | 4.08% | +205 bps | |
| Loan Growth (YoY) | -8.19% | -17.38% | -6.79% | -11.86% | -8.60% | 1.75% | 4.49% | 0.40% | +1,226 bps | |
| Share Growth (YoY) | -3.85% | -6.17% | -1.25% | 2.57% | 5.10% | 6.46% | 5.23% | 4.54% | +197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.84% | 0.82% | 0.68% | 0.37% | 0.79% | 0.89% | 0.97% | +28 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 | 1.40% | 1.39% | 1.29% | 1.30% | 1.21% | 1.15% | 1.01% | 1.09% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.79% | 6.78% | 6.56% | 6.13% | 6.06% | 6.02% | 6.02% | 5.65% | -48 bps | |
| Net Worth / Assets | 6.79% | 6.78% | 6.56% | 6.13% | 6.06% | 6.02% | 6.02% | 5.65% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.31% | 46.80% | 49.09% | 43.10% | 43.75% | 44.73% | 48.75% | 41.39% | -171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.75% | 96.45% | 0.00% | 0.00% | 99.52% | 95.70% | -75 bps | |