Manchester, CT · Charter 13602
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
44
Profitability
33
Liquidity
49
Efficiency
44
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.
Manchester, CT · Charter 13602
NCUA · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.63% | 0.60% | 0.64% | 0.75% | +14 bps | |
| Return on Equity | 6.68% | 6.88% | 6.54% | 6.99% | 8.10% | +141 bps | |
| Net Interest Margin | 2.93% | 2.95% | 2.94% | 3.08% | 3.12% | +19 bps | |
| Efficiency Ratio | 81.18% | 80.39% | 81.16% | 77.92% | 76.69% | -448 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.76% | 3.70% | 4.67% | 4.77% | 5.84% | +308 bps | |
| Loan Growth (YoY) | 0.36% | 1.46% | 6.33% | 7.01% | 13.22% | +1,285 bps | |
| Share Growth (YoY) | 2.20% | 3.64% | 4.03% | 4.50% | 5.80% | +360 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.32% | 0.56% | 0.34% | 0.99% | +61 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 | 9.05% | 9.21% | 9.12% | 9.10% | 9.21% | +17 bps | |
| Net Worth / Assets | 9.05% | 9.21% | 9.12% | 9.10% | 9.21% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.06% | 65.40% | 66.50% | 66.14% | 69.62% | +456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manchester, CT · Charter 13602 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 1 branch
Q2 2026
Return on Assets
0.74%
Rank 13 of 18
Net Interest Margin
3.12%
Rank 13 of 18
Efficiency Ratio
76.59%
Rank 11 of 18
Equity / Assets
9.22%
Rank 15 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.58% | 0.88% | 1.13% | Beats 28% | 13 / 18 | |
| Return on Equity | 8.07% | 4.98% | 8.55% | 10.26% | Beats 44% | 10 / 18 | |
| Net Interest Margin | 3.12% | 3.06% | 3.69% | 4.15% | Beats 28% | 13 / 18 | |
| Efficiency Ratio | 76.59% | 72.94% | 75.86% | 86.25% | Beats 44% | 11 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.99% | 0.28% | 0.89% | 1.47% | Beats 44% | 11 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.22% | 9.40% | 10.43% | 11.60% | Beats 17% | 15 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.22% | 9.40% | 10.43% | 11.60% | Beats 17% | 15 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.63% | 41.55% | 63.87% | 69.63% | 72nd pctl | 5 / 18 | |
| Loans / Assets | 63.05% | 37.52% | 56.45% | 62.95% | 78th pctl | 4 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||