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Wiremold

West Hartford, CT · Charter 6767

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wiremold

West Hartford, CT · Charter 6767

Q4 2013

$746KAssets
$228KLoans
$590KShares
$156KNet 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 -2.63%, down 91 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.89%, down 39 bps from a year ago.
  • Funding: loans stand at 38.60% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.63%-91 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+24 bps YoY

Efficiency Ratio (YTD, annualized)

193.55%+2,762 bps YoY

Net Worth / Assets

20.89%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-1.71%-1.69%-1.94%-2.57%-2.63%-91 bps
Return on Equity-8.04%-8.48%-9.60%-12.77%-12.57%-453 bps
Net Interest Margin2.42%2.37%2.39%2.49%2.66%+24 bps
Efficiency Ratio165.93%167.21%176.52%197.10%193.55%+2,762 bps
Growth
Asset Growth (YoY)-1.46%-1.72%-8.48%-7.15%-9.49%-804 bps
Loan Growth (YoY)24.82%-4.73%2.05%-3.68%-6.03%-3,085 bps
Share Growth (YoY)0.33%-0.22%-8.52%-5.91%-9.06%-940 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.58%0.00%0.00%0.68%0.73%+16 bps
Capital
Risk-Based Capital21.29%19.89%20.23%20.08%20.89%-39 bps
Net Worth / Assets21.29%19.89%20.23%20.08%20.89%-39 bps
Liquidity & Funding
Loans / Shares37.36%28.00%31.50%38.40%38.60%+125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps