PackageTrendsPeer
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Wepawaug-Flagg

Hamden, CT · Charter 1309

NCUA · 4 branches

Q3 2025

$157.8MAssets
$68.3MLoans
$139.3MShares
$17.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, up 8 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 1.18% of loans (+2 bps YoY).
  • Capital: net worth / assets of 10.97%, up 21 bps from a year ago.
  • Funding: loans stand at 49.04% of shares as of Q3 2025.

Return on Assets (YTD, annualized)

0.51%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+19 bps YoY

Efficiency Ratio (YTD, annualized)

89.11%-1 bps YoY

Net Worth / Assets

10.97%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.59%0.36%0.38%0.42%0.41%0.30%0.52%0.51%+8 bps
Return on Equity5.61%3.46%3.61%3.94%3.85%2.85%4.92%4.63%+69 bps
Net Interest Margin2.75%2.58%2.63%2.68%2.65%2.61%2.73%2.87%+19 bps
Efficiency Ratio84.36%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 / Loans0.87%0.88%1.06%1.16%1.31%0.85%1.15%1.18%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.49%10.49%10.57%10.76%10.69%10.50%10.59%10.97%+21 bps
Net Worth / Assets10.49%10.49%10.57%10.76%10.69%10.50%10.59%10.97%+21 bps
Liquidity & Funding
Loans / Shares50.09%49.08%48.41%48.81%49.26%47.47%49.13%49.04%+23 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps