Waterbury, CT · Charter 10865
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
96
Asset Quality
3
Profitability
42
Liquidity
0
Efficiency
28
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.
Waterbury, CT · Charter 10865
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 | -0.04% | 0.08% | -0.36% | 0.26% | 0.20% | 0.21% | 0.98% | 0.72% | +45 bps | |
| Return on Equity | -0.14% | 0.32% | -1.41% | 1.01% | 0.73% | 0.80% | 3.67% | 2.64% | +163 bps | |
| Net Interest Margin | 3.31% | 3.37% | 3.39% | 3.57% | 3.73% | 3.72% | 3.75% | 3.84% | +26 bps | |
| Efficiency Ratio | 93.52% | 94.91% | 98.17% | 95.86% | 93.54% | 92.56% | 92.00% | 85.93% | -994 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.02% | -11.44% | -6.76% | -5.87% | -4.45% | -2.03% | -2.11% | -2.59% | +329 bps | |
| Loan Growth (YoY) | -14.45% | -17.00% | -20.85% | -12.10% | -10.19% | -0.57% | 2.48% | -2.70% | +940 bps | |
| Share Growth (YoY) | -16.80% | -14.93% | -9.59% | -8.29% | -6.07% | -3.00% | -3.35% | -3.94% | +435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.33% | 3.37% | 3.41% | 6.21% | 5.41% | 6.48% | 2.77% | 5.72% | -49 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 | 25.32% | 25.80% | 25.78% | 26.11% | 26.75% | 26.54% | 26.66% | 27.23% | +113 bps | |
| Net Worth / Assets | 25.32% | 25.80% | 25.78% | 26.11% | 26.75% | 26.54% | 26.66% | 27.23% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.29% | 28.16% | 25.68% | 27.17% | 27.05% | 28.87% | 27.23% | 27.52% | +35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waterbury, CT · Charter 10865 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.71%
Rank 862 of 1,683
Net Interest Margin
3.85%
Rank 813 of 1,683
Efficiency Ratio
85.79%
Rank 1,214 of 1,682
Equity / Assets
27.23%
Rank 70 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 49% | 862 / 1,683 | ||
| Return on Equity | 2.62% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,277 / 1,681 | ||
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 52% | 813 / 1,683 | ||
| Efficiency Ratio | 85.79% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,214 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.74% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,638 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.23% | 10.44% | 12.89% | 16.53% | Beats 96% | 70 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 27.23% | 10.44% | 12.89% | 16.53% | Beats 96% | 70 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 27.52% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,615 / 1,683 | ||
| Loans / Assets | 19.98% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,634 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||