Bristol, CT · Charter 722
NCUA · 2 branches
Q1 2024
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | 0.07% | 0.31% | -0.11% | 0.10% | 0.20% | 0.24% | 0.26% | +36 bps | |
| Return on Equity | -6.70% | 0.81% | 3.48% | -1.18% | 1.09% | 2.07% | 2.47% | 2.65% | +383 bps | |
| Net Interest Margin | 1.92% | 2.03% | 2.13% | 2.48% | 2.58% | 2.75% | 2.87% | 3.07% | +59 bps | |
| Efficiency Ratio | 119.58% | 95.77% | 89.44% | 103.53% | 96.94% | 94.32% | 93.52% | 93.09% | -1,043 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.12% | 4.65% | 2.98% | -0.02% | -0.30% | -3.52% | -5.39% | -4.79% | -477 bps | |
| Loan Growth (YoY) | -0.16% | -0.62% | -0.99% | -5.92% | -7.98% | -5.75% | -3.23% | -1.04% | +488 bps | |
| Share Growth (YoY) | 3.85% | 5.01% | 2.87% | -0.18% | -1.41% | -4.66% | -6.27% | -5.69% | -551 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.56% | 0.64% | 0.82% | 0.71% | 0.66% | 1.13% | 0.95% | +13 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 | 0.98% | 1.04% | 1.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.42% | 8.78% | 9.04% | 9.05% | 9.09% | 9.52% | 9.63% | 9.68% | +63 bps | |
| Net Worth / Assets | 8.42% | 8.78% | 9.04% | 9.05% | 9.09% | 9.52% | 9.63% | 9.68% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.69% | 33.12% | 32.64% | 31.89% | 31.44% | 32.74% | 33.69% | 33.46% | +157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |