Hartford, CT · Charter 6733
NCUA · 2 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | -0.93% | -0.57% | -0.32% | -2.19% | -2.81% | -3.15% | -2.80% | -248 bps | |
| Return on Equity | 9.88% | -12.84% | -7.57% | -4.16% | -35.81% | -52.28% | -84.28% | -74.34% | -7,018 bps | |
| Net Interest Margin | 4.91% | 4.15% | 4.10% | 4.83% | 4.92% | 4.97% | 5.23% | 5.80% | +98 bps | |
| Efficiency Ratio | 91.67% | 115.29% | 109.23% | 104.45% | 110.65% | 133.87% | 135.61% | 134.48% | +3,003 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.09% | 1.42% | -0.84% | -2.75% | -1.31% | -7.94% | -8.33% | -14.33% | -1,159 bps | |
| Loan Growth (YoY) | 4.71% | 3.07% | -0.57% | -6.68% | -12.91% | -13.71% | -12.90% | -7.00% | -32 bps | |
| Share Growth (YoY) | -6.07% | 1.69% | -0.47% | -2.04% | 0.18% | -6.52% | -5.52% | -11.35% | -931 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 2.61% | 2.00% | 2.20% | 2.41% | 2.43% | 2.59% | 2.86% | +66 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 | 8.03% | 7.21% | 7.47% | 7.64% | 6.12% | 5.37% | 3.74% | 3.77% | -387 bps | |
| Net Worth / Assets | 8.03% | 7.21% | 7.47% | 7.64% | 6.12% | 5.37% | 3.74% | 3.77% | -387 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.92% | 70.26% | 71.69% | 71.41% | 67.73% | 64.86% | 66.09% | 74.91% | +350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |