Norwich, CT · Charter 1148
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.58% | 0.65% | 0.73% | 0.78% | 0.89% | 1.45% | 1.40% | +67 bps | |
| Return on Equity | 7.81% | 6.56% | 7.25% | 8.10% | 8.29% | 8.65% | 13.54% | 12.82% | +471 bps | |
| Net Interest Margin | 3.63% | 3.71% | 3.60% | 3.74% | 3.91% | 2.57% | 4.17% | 4.12% | +39 bps | |
| Efficiency Ratio | 76.14% | 79.19% | 79.99% | 80.27% | 79.88% | 69.21% | 66.46% | 67.61% | -1,265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 2.53% | 0.89% | 2.37% | 1.76% | 96.05% | 91.22% | 90.24% | +8,788 bps | |
| Loan Growth (YoY) | -5.41% | -4.34% | 1.12% | 4.89% | 2.96% | 103.47% | 96.49% | 96.63% | +9,174 bps | |
| Share Growth (YoY) | 3.17% | 3.69% | 3.64% | 3.05% | 2.39% | 86.05% | 81.00% | 75.62% | +7,257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.27% | 0.21% | 0.17% | 0.20% | 0.31% | 0.31% | 0.39% | +22 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 | 8.91% | 8.90% | 8.92% | 9.01% | 9.43% | 10.30% | 10.70% | 10.96% | +195 bps | |
| Net Worth / Assets | 8.91% | 8.90% | 8.92% | 9.01% | 9.43% | 10.30% | 10.70% | 10.96% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.67% | 80.35% | 80.88% | 82.59% | 82.13% | 87.87% | 87.80% | 92.47% | +988 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |