Hamden, CT · Charter 1309
NCUA · 4 branches
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
31
Asset Quality
29
Profitability
26
Liquidity
27
Efficiency
16
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.
Hamden, CT · Charter 1309
NCUA · 4 branches
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 | 0.59% | 0.36% | 0.38% | 0.42% | 0.41% | 0.30% | 0.52% | 0.51% | +8 bps | |
| Return on Equity | 5.61% | 3.46% | 3.61% | 3.94% | 3.85% | 2.85% | 4.92% | 4.63% | +69 bps | |
| Net Interest Margin | 2.75% | 2.58% | 2.63% | 2.68% | 2.65% | 2.61% | 2.73% | 2.87% | +19 bps | |
| Efficiency Ratio | 84.36% | 91.04% | 90.18% | 89.12% | 89.05% | 93.98% | 89.14% | 89.11% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.46% | -2.64% | -2.50% | -0.19% | 2.14% | 3.71% | 4.56% | 2.55% | +275 bps | |
| Loan Growth (YoY) | 0.58% | -1.83% | -2.47% | -3.59% | 0.37% | 0.12% | 5.66% | 3.38% | +697 bps | |
| Share Growth (YoY) | -4.61% | -3.52% | -3.03% | -1.10% | 2.05% | 3.51% | 4.10% | 2.89% | +399 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.88% | 1.06% | 1.16% | 1.31% | 0.85% | 1.15% | 1.18% | +2 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 | 10.49% | 10.49% | 10.57% | 10.76% | 10.69% | 10.50% | 10.59% | 10.97% | +21 bps | |
| Net Worth / Assets | 10.49% | 10.49% | 10.57% | 10.76% | 10.69% | 10.50% | 10.59% | 10.97% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.09% | 49.08% | 48.41% | 48.81% | 49.26% | 47.47% | 49.13% | 49.04% | +23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hamden, CT · Charter 1309 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 4 branches
Q3 2025
Return on Assets
0.51%
Rank 1,142 of 1,639
Net Interest Margin
2.87%
Rank 1,447 of 1,638
Efficiency Ratio
89.11%
Rank 1,375 of 1,637
Equity / Assets
10.97%
Rank 1,135 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.40% | 0.81% | 1.29% | Beats 30% | 1,142 / 1,639 | ||
| Return on Equity | 4.63% | 3.02% | 6.34% | 9.49% | Beats 36% | 1,042 / 1,638 | ||
| Net Interest Margin | 2.87% | 3.27% | 3.83% | 4.38% | Beats 12% | 1,447 / 1,638 | ||
| Efficiency Ratio | 89.11% | 67.38% | 76.32% | 84.73% | Beats 16% | 1,375 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.27% | 0.68% | 1.33% | Beats 29% | 1,157 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 10.38% | 12.80% | 16.53% | Beats 31% | 1,135 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.97% | 10.39% | 12.80% | 16.53% | Beats 31% | 1,135 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.04% | 55.01% | 72.16% | 85.44% | 18th pctl | 1,339 / 1,638 | ||
| Loans / Assets | 43.29% | 46.69% | 60.81% | 72.42% | 21st pctl | 1,286 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||