Manchester, CT · Charter 13602
NCUA · 1 branch
Q2 2026
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.39% | 0.55% | 0.60% | 0.63% | 0.60% | 0.64% | 0.75% | +14 bps | |
| Return on Equity | 3.81% | 4.36% | 6.17% | 6.68% | 6.88% | 6.54% | 6.99% | 8.10% | +141 bps | |
| Net Interest Margin | 2.92% | 2.98% | 2.86% | 2.93% | 2.95% | 2.94% | 3.08% | 3.12% | +19 bps | |
| Efficiency Ratio | 87.32% | 85.50% | 81.80% | 81.18% | 80.39% | 81.16% | 77.92% | 76.69% | -448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 2.60% | 3.08% | 2.76% | 3.70% | 4.67% | 4.77% | 5.84% | +308 bps | |
| Loan Growth (YoY) | 3.27% | 0.47% | -0.75% | 0.36% | 1.46% | 6.33% | 7.01% | 13.22% | +1,285 bps | |
| Share Growth (YoY) | 0.84% | 2.45% | 2.78% | 2.20% | 3.64% | 4.03% | 4.50% | 5.80% | +360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.26% | 0.13% | 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 | 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 | 8.93% | 8.93% | 8.89% | 9.05% | 9.21% | 9.12% | 9.10% | 9.21% | +17 bps | |
| Net Worth / Assets | 8.93% | 8.93% | 8.89% | 9.05% | 9.21% | 9.12% | 9.10% | 9.21% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.81% | 65.06% | 64.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |