New Haven, CT · Charter 10729
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
48
Profitability
27
Liquidity
11
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New Haven, CT · Charter 10729
NCUA · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.00% | -0.63% | -2.83% | -3.60% | -2.63% | -164 bps | |
| Return on Equity | -3.72% | -2.37% | -11.14% | -14.91% | -10.86% | -714 bps | |
| Net Interest Margin | 4.81% | 4.72% | 4.97% | 4.30% | 4.37% | -43 bps | |
| Efficiency Ratio | 120.22% | 113.07% | 114.66% | 120.19% | 128.19% | +797 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.52% | -2.39% | -6.22% | -4.03% | -3.99% | -347 bps | |
| Loan Growth (YoY) | 12.52% | 20.35% | 10.27% | -2.26% | -7.42% | -1,994 bps | |
| Share Growth (YoY) | -1.51% | -5.96% | -1.01% | 1.24% | -0.58% | +93 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.74% | 7.42% | 3.48% | 0.69% | 0.68% | -506 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.81% | 0.59% | 0.64% | 0.70% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.77% | 26.62% | 25.38% | 24.13% | 24.23% | -253 bps | |
| Net Worth / Assets | 26.77% | 26.62% | 25.38% | 24.13% | 24.23% | -253 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.24% | 49.50% | 46.72% | 41.01% | 42.13% | -311 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Haven, CT · Charter 10729 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.64%
Rank 1,654 of 1,683
Net Interest Margin
4.37%
Rank 392 of 1,683
Efficiency Ratio
128.33%
Rank 1,654 of 1,682
Equity / Assets
24.24%
Rank 111 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.64% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,654 / 1,683 | |
| Return on Equity | -10.91% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,627 / 1,681 | |
| Net Interest Margin | 4.37% | 3.31% | 3.82% | 4.32% | Beats 77% | 392 / 1,683 | |
| Efficiency Ratio | 128.33% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,654 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.26% | 0.65% | 1.29% | Beats 48% | 874 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.24% | 10.44% | 12.89% | 16.53% | Beats 93% | 111 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.24% | 10.44% | 12.89% | 16.53% | Beats 93% | 111 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.14% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,462 / 1,683 | |
| Loans / Assets | 31.63% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,528 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||