Hamden, CT · Charter 1309
NCUA · 4 branches
Q3 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.41% | 0.30% | 0.52% | 0.51% | +8 bps | |
| Return on Equity | 3.94% | 3.85% | 2.85% | 4.92% | 4.63% | +69 bps | |
| Net Interest Margin | 2.68% | 2.65% | 2.61% | 2.73% | 2.87% | +19 bps | |
| Efficiency Ratio | 89.12% | 89.05% | 93.98% | 89.14% | 89.11% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.19% | 2.14% | 3.71% | 4.56% | 2.55% | +275 bps | |
| Loan Growth (YoY) | -3.59% | 0.37% | 0.12% | 5.66% | 3.38% | +697 bps | |
| Share Growth (YoY) | -1.10% | 2.05% | 3.51% | 4.10% | 2.89% | +399 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 10.69% | 10.50% | 10.59% | 10.97% | +21 bps | |
| Net Worth / Assets | 10.76% | 10.69% | 10.50% | 10.59% | 10.97% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |