New Haven, CT · Charter 10729
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.04% | -2.44% | -1.00% | -0.63% | -2.83% | -3.60% | -2.63% | -164 bps | |
| Return on Equity | 4.61% | 3.94% | -9.37% | -3.72% | -2.37% | -11.14% | -14.91% | -10.86% | -714 bps | |
| Net Interest Margin | 5.22% | 5.14% | 4.69% | 4.81% | 4.72% | 4.97% | 4.30% | 4.37% | -43 bps | |
| Efficiency Ratio | 76.99% | 80.05% | 150.76% | 120.22% | 113.07% | 114.66% | 120.19% | 128.19% | +797 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.36% | -0.25% | -0.05% | -0.52% | -2.39% | -6.22% | -4.03% | -3.99% | -347 bps | |
| Loan Growth (YoY) | 0.07% | 0.43% | 2.80% | 12.52% | 20.35% | 10.27% | -2.26% | -7.42% | -1,994 bps | |
| Share Growth (YoY) | -8.51% | -6.04% | -3.71% | -1.51% | -5.96% | -1.01% | 1.24% | -0.58% | +93 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 3.52% | 2.79% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.94% | 0.92% | 0.87% | 0.81% | 0.59% | 0.64% | 0.70% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.32% | 26.43% | 26.09% | 26.77% | 26.62% | 25.38% | 24.13% | 24.23% | -253 bps | |
| Net Worth / Assets | 26.32% | 26.43% | 26.09% | 26.77% | 26.62% | 25.38% | 24.13% | 24.23% | -253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.68% | 41.94% | 42.48% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |