Southport, CT · Charter 12375
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
12
Profitability
33
Liquidity
83
Efficiency
0
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.
Southport, CT · Charter 12375
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | 0.20% | 0.10% | -6.42% | -6.64% | -25.87% | -13.95% | -18.40% | -1,199 bps | |
| Return on Equity | -3.46% | 1.10% | 0.53% | -44.40% | -42.11% | -253% | -140.38% | -414% | -36,996 bps | |
| Net Interest Margin | 5.64% | 5.76% | 5.84% | 7.29% | 6.50% | 6.84% | 6.54% | 7.36% | +7 bps | |
| Efficiency Ratio | 97.02% | 96.67% | 98.29% | 93.50% | 114.47% | 464% | 307% | 346% | +25,202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.00% | -11.96% | -10.66% | -15.81% | -18.21% | -24.53% | -20.22% | -21.22% | -541 bps | |
| Loan Growth (YoY) | 9.17% | 7.54% | 0.58% | -23.43% | -34.31% | -38.13% | -33.62% | -20.69% | +273 bps | |
| Share Growth (YoY) | -15.43% | -12.29% | -13.19% | -11.07% | -14.03% | -18.96% | -11.21% | -14.30% | -322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 5.14% | 5.77% | 10.42% | 20.70% | 15.50% | 3.42% | 2.02% | -840 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 | 0.90% | 0.90% | 0.97% | 1.25% | 1.38% | 1.45% | -2.80% | -1.85% | -310 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.33% | 17.95% | 19.23% | 14.45% | 15.77% | 10.23% | 9.94% | 4.44% | -1,001 bps | |
| Net Worth / Assets | 18.33% | 17.95% | 19.23% | 14.45% | 15.77% | 10.23% | 9.94% | 4.44% | -1,001 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.49% | 105.36% | 107.89% | 81.93% | 82.90% | 80.44% | 80.66% | 75.81% | -612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Southport, CT · Charter 12375 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
Return on Assets
-18.61%
Rank 1,636 of 1,639
Net Interest Margin
7.36%
Rank 7 of 1,638
Efficiency Ratio
353%
Rank 1,635 of 1,637
Equity / Assets
4.55%
Rank 1,634 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -18.61% | 0.40% | 0.81% | 1.29% | Beats 0% | 1,636 / 1,639 | ||
| Return on Equity | -410% | 3.02% | 6.34% | 9.49% | Beats 0% | 1,636 / 1,638 | ||
| Net Interest Margin | 7.36% | 3.27% | 3.83% | 4.38% | Beats 100% | 7 / 1,638 | ||
| Efficiency Ratio | 353% | 67.38% | 76.32% | 84.73% | Beats 0% | 1,635 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.23% | 0.27% | 0.68% | 1.33% | Beats 12% | 1,447 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.44% | 10.38% | 12.80% | 16.53% | Beats 0% | 1,635 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.55% | 10.39% | 12.80% | 16.53% | Beats 0% | 1,634 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.81% | 55.01% | 72.16% | 85.44% | 57th pctl | 699 / 1,638 | ||
| Loans / Assets | 72.73% | 46.69% | 60.81% | 72.42% | 76th pctl | 396 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||