West Hartford, CT · Charter 6767
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.42% | 2.37% | 2.39% | 2.49% | 2.66% | +24 bps | |
| Efficiency Ratio | 165.93% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.00% | 0.00% | 0.68% | 0.73% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.29% | 19.89% | 20.23% | 20.08% | 20.89% | -39 bps | |
| Net Worth / Assets | 21.29% | 19.89% | 20.23% | 20.08% | 20.89% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.36% | 28.00% | 31.50% | 38.40% | 38.60% | +125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |