Enfield, CT · Charter 1077
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 | 1.15% | 1.06% | 0.89% | -0.24% | 0.40% | -76 bps | |
| Return on Equity | 12.16% | 10.53% | 8.98% | -2.51% | 4.21% | -795 bps | |
| Net Interest Margin | 2.80% | 2.91% | 2.88% | 2.94% | 3.01% | +21 bps | |
| Efficiency Ratio | 69.85% | 71.60% | 76.46% | 84.35% | 75.90% | +605 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 6.57% | 2.15% | 3.27% | 4.93% | -168 bps | |
| Loan Growth (YoY) | -4.89% | -5.39% | -5.61% | -5.90% | -6.63% | -174 bps | |
| Share Growth (YoY) | 6.22% | 6.21% | 1.47% | 3.26% | 5.00% | -122 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.50% | 10.04% | 9.91% | 9.37% | 9.49% | -1 bps | |
| Net Worth / Assets | 9.50% | 10.04% | 9.91% | 9.37% | 9.49% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |