PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tobacco Valley Teachers

Enfield, CT · Charter 1077

NCUA · 1 branch

Q2 2026

$72.4MAssets
$15.6MLoans
$65.4MShares
$6.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.40%, down 76 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.99% of loans (+48 bps YoY).
  • Capital: net worth / assets of 9.49%, down 1 bps from a year ago.
  • Funding: loans stand at 23.81% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.40%-76 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+21 bps YoY

Efficiency Ratio (quarter, annualized)

75.90%+605 bps YoY

Net Worth / Assets

9.49%-1 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.67%1.73%1.15%1.06%0.89%-0.24%0.40%-76 bps
Return on Equity8.04%7.26%18.55%12.16%10.53%8.98%-2.51%4.21%-795 bps
Net Interest Margin2.64%2.49%2.77%2.80%2.91%2.88%2.94%3.01%+21 bps
Efficiency Ratio72.15%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 / Loans1.04%1.13%0.45%0.51%0.55%1.86%0.55%0.99%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.79%9.27%9.35%9.50%10.04%9.91%9.37%9.49%-1 bps
Net Worth / Assets9.79%9.27%9.35%9.50%10.04%9.91%9.37%9.49%-1 bps
Liquidity & Funding
Loans / Shares31.11%28.38%26.61%26.77%27.72%26.40%24.25%23.81%-297 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps