East Hartford, CT · Charter 80
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
East Hartford, CT · Charter 80
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.34% | 0.24% | 0.19% | 0.24% | -8 bps | |
| Return on Equity | 3.23% | 3.35% | 2.41% | 1.92% | 2.31% | -92 bps | |
| Net Interest Margin | 2.45% | 2.50% | 2.48% | 2.47% | 2.59% | +14 bps | |
| Efficiency Ratio | 85.21% | 85.05% | 86.99% | 87.12% | 86.93% | +171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.26% | -0.02% | -0.56% | 0.73% | -2.16% | -542 bps | |
| Loan Growth (YoY) | 2.42% | 3.92% | 4.15% | 12.65% | 12.31% | +989 bps | |
| Share Growth (YoY) | 0.90% | -0.69% | -0.92% | 0.54% | -0.46% | -136 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.25% | 1.00% | 0.96% | 0.80% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.55% | 0.54% | 0.56% | 0.53% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.86% | 10.07% | 9.89% | 9.90% | 10.35% | +49 bps | |
| Net Worth / Assets | 9.86% | 10.07% | 9.89% | 9.90% | 10.35% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.39% | 63.76% | 61.33% | 65.62% | 71.53% | +813 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |