Bridgeport, CT · Charter 9301
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Bridgeport, CT · Charter 9301
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.05% | 0.00% | -0.03% | -1.01% | -96 bps | |
| Return on Equity | -0.58% | 0.54% | 0.00% | -0.37% | -13.13% | -1,256 bps | |
| Net Interest Margin | 2.44% | 2.34% | 2.29% | 2.35% | 2.34% | -10 bps | |
| Efficiency Ratio | 101.65% | 98.45% | 100.00% | 101.09% | 137.41% | +3,576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.10% | -0.93% | 0.91% | 1.09% | -0.31% | -242 bps | |
| Loan Growth (YoY) | -2.90% | -5.17% | 2.87% | -5.15% | -8.91% | -601 bps | |
| Share Growth (YoY) | 2.36% | -1.05% | 0.90% | 1.20% | 0.81% | -156 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.51% | 0.27% | 0.43% | 0.22% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.16% | 1.09% | 1.07% | 1.27% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.62% | 8.45% | 8.43% | 8.60% | 7.65% | -97 bps | |
| Net Worth / Assets | 8.62% | 8.45% | 8.43% | 8.60% | 7.65% | -97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.82% | 25.29% | 27.35% | 25.50% | 24.24% | -259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |