PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Waterbury Healthcare

Waterbury, CT · Charter 10865

NCUA · 1 branch

Q2 2026

$9.3MAssets
$1.8MLoans
$6.7MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.72%, up 45 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 5.72% of loans (-49 bps YoY).
  • Capital: net worth / assets of 27.23%, up 113 bps from a year ago.
  • Funding: loans stand at 27.52% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.72%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+26 bps YoY

Efficiency Ratio (YTD, annualized)

85.93%-994 bps YoY

Net Worth / Assets

27.23%+113 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.31%3.37%3.39%3.57%3.73%3.72%3.75%3.84%+26 bps
Efficiency Ratio93.52%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 / Loans2.33%3.37%3.41%6.21%5.41%6.48%2.77%5.72%-49 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 Capital25.32%25.80%25.78%26.11%26.75%26.54%26.66%27.23%+113 bps
Net Worth / Assets25.32%25.80%25.78%26.11%26.75%26.54%26.66%27.23%+113 bps
Liquidity & Funding
Loans / Shares28.29%28.16%25.68%27.17%27.05%28.87%27.23%27.52%+35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps