Torrington, CT · Charter 14003
NCUA · 3 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
83
Profitability
61
Liquidity
7
Efficiency
53
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.
Torrington, CT · Charter 14003
NCUA · 3 branches
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 | 0.70% | 0.69% | 0.76% | 0.90% | 1.09% | 1.03% | 0.95% | 1.02% | +12 bps | |
| Return on Equity | 7.83% | 7.79% | 8.77% | 10.14% | 11.78% | 11.15% | 10.14% | 10.89% | +75 bps | |
| Net Interest Margin | 3.13% | 3.11% | 3.19% | 3.32% | 3.42% | 3.39% | 3.47% | 3.41% | +9 bps | |
| Efficiency Ratio | 82.49% | 82.55% | 79.50% | 77.07% | 73.71% | 75.43% | 79.53% | 77.35% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 10.17% | 9.05% | 8.21% | 7.57% | 8.06% | 4.61% | 7.43% | -78 bps | |
| Loan Growth (YoY) | 3.89% | 4.87% | 4.44% | 5.01% | 2.50% | 3.40% | 2.05% | 1.96% | -305 bps | |
| Share Growth (YoY) | 5.87% | 9.93% | 9.04% | 8.53% | 7.16% | 7.69% | 3.90% | 6.95% | -158 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.24% | 0.25% | 1.15% | 0.30% | 0.20% | 0.19% | 0.14% | -101 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 | 8.94% | 8.91% | 8.68% | 8.92% | 9.29% | 9.27% | 9.35% | 9.37% | +45 bps | |
| Net Worth / Assets | 8.94% | 8.91% | 8.68% | 8.92% | 9.29% | 9.27% | 9.35% | 9.37% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.16% | 44.48% | 42.06% | 42.77% | 43.20% | 42.71% | 41.31% | 40.78% | -199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Torrington, CT · Charter 14003 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.02%
Rank 579 of 1,683
Net Interest Margin
3.41%
Rank 1,193 of 1,683
Efficiency Ratio
77.39%
Rank 796 of 1,682
Equity / Assets
9.37%
Rank 1,456 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 579 / 1,683 | ||
| Return on Equity | 10.88% | 2.67% | 5.89% | 8.74% | Beats 87% | 214 / 1,681 | ||
| Net Interest Margin | 3.41% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,193 / 1,683 | ||
| Efficiency Ratio | 77.39% | 68.91% | 78.20% | 86.93% | Beats 53% | 796 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 282 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.37% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,456 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.37% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,456 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.78% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,485 / 1,683 | ||
| Loans / Assets | 36.95% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,425 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||