Wepawaug-Flagg
Hamden, CT · Charter 1309 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 4 branches
Q3 2025
$157.8MAssets
$68.3MLoans
$139.3MShares
$17.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 36% of credit unions under $1B in assets (rank 1042 of 1638).
- Widest gap: net interest margin trails 88% of credit unions under $1B in assets (rank 1447 of 1638).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |