Bloomfield, CT · Charter 9184
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Bloomfield, CT · Charter 9184
Q3 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.17% | -0.37% | -0.21% | -0.38% | -19 bps | |
| Return on Equity | -2.69% | -2.25% | -5.31% | -2.98% | -5.46% | -277 bps | |
| Net Interest Margin | 2.50% | 2.60% | 2.39% | 2.38% | 2.44% | -6 bps | |
| Efficiency Ratio | 103.82% | 103.54% | 103.52% | 102.75% | 105.34% | +153 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.38% | 1.57% | 2.12% | -1.22% | -2.40% | -677 bps | |
| Loan Growth (YoY) | 4.60% | 12.67% | 12.78% | 11.64% | 3.54% | -106 bps | |
| Share Growth (YoY) | 4.85% | 1.89% | 2.45% | -1.12% | -2.17% | -701 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.46% | 0.38% | 0.32% | 1.27% | +67 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.34% | 0.40% | 0.34% | 0.50% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.18% | 7.42% | 6.98% | 7.01% | 7.05% | -13 bps | |
| Net Worth / Assets | 7.18% | 7.42% | 6.98% | 7.01% | 7.05% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.78% | 40.66% | 37.97% | 37.97% | 38.93% | +215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |