Enfield, CT · Charter 1077
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 in the Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
39
Profitability
17
Liquidity
0
Efficiency
50
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.
Enfield, CT · Charter 1077
NCUA · 1 branch
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.67% | 1.73% | 1.15% | 1.06% | 0.89% | -0.24% | 0.40% | -76 bps | |
| Return on Equity | 8.04% | 7.26% | 18.55% | 12.16% | 10.53% | 8.98% | -2.51% | 4.21% | -795 bps | |
| Net Interest Margin | 2.64% | 2.49% | 2.77% | 2.80% | 2.91% | 2.88% | 2.94% | 3.01% | +21 bps | |
| Efficiency Ratio | 72.15% | 75.30% | 65.20% | 69.85% | 71.60% | 76.46% | 84.35% | 75.90% | +605 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.92% | 5.17% | 6.77% | 6.61% | 6.57% | 2.15% | 3.27% | 4.93% | -168 bps | |
| Loan Growth (YoY) | -5.71% | -9.02% | -5.98% | -4.89% | -5.39% | -5.61% | -5.90% | -6.63% | -174 bps | |
| Share Growth (YoY) | 0.27% | 4.86% | 6.42% | 6.22% | 6.21% | 1.47% | 3.26% | 5.00% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.13% | 0.45% | 0.51% | 0.55% | 1.86% | 0.55% | 0.99% | +48 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.79% | 9.27% | 9.35% | 9.50% | 10.04% | 9.91% | 9.37% | 9.49% | -1 bps | |
| Net Worth / Assets | 9.79% | 9.27% | 9.35% | 9.50% | 10.04% | 9.91% | 9.37% | 9.49% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.11% | 28.38% | 26.61% | 26.77% | 27.72% | 26.40% | 24.25% | 23.81% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Enfield, CT · Charter 1077 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 15 of 18
Net Interest Margin
3.01%
Rank 15 of 18
Efficiency Ratio
75.86%
Rank 10 of 18
Equity / Assets
9.49%
Rank 13 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.58% | 0.88% | 1.13% | Beats 17% | 15 / 18 | ||
| Return on Equity | 4.22% | 4.98% | 8.55% | 10.26% | Beats 17% | 15 / 18 | ||
| Net Interest Margin | 3.01% | 3.06% | 3.69% | 4.15% | Beats 17% | 15 / 18 | ||
| Efficiency Ratio | 75.86% | 72.94% | 75.86% | 86.25% | Beats 50% | 10 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.28% | 0.89% | 1.47% | Beats 39% | 12 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.49% | 9.40% | 10.43% | 11.60% | Beats 28% | 13 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.49% | 9.40% | 10.43% | 11.60% | Beats 28% | 13 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 23.80% | 41.55% | 63.87% | 69.63% | 0th pctl | 18 / 18 | ||
| Loans / Assets | 21.50% | 37.52% | 56.45% | 62.95% | 6th pctl | 17 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||