Torrington, CT · Charter 14003
NCUA · 3 branches
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 | 0.90% | 1.09% | 1.03% | 0.95% | 1.02% | +12 bps | |
| Return on Equity | 10.14% | 11.78% | 11.15% | 10.14% | 10.89% | +75 bps | |
| Net Interest Margin | 3.32% | 3.42% | 3.39% | 3.47% | 3.41% | +9 bps | |
| Efficiency Ratio | 77.07% | 73.71% | 75.43% | 79.53% | 77.35% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.21% | 7.57% | 8.06% | 4.61% | 7.43% | -78 bps | |
| Loan Growth (YoY) | 5.01% | 2.50% | 3.40% | 2.05% | 1.96% | -305 bps | |
| Share Growth (YoY) | 8.53% | 7.16% | 7.69% | 3.90% | 6.95% | -158 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.92% | 9.29% | 9.27% | 9.35% | 9.37% | +45 bps | |
| Net Worth / Assets | 8.92% | 9.29% | 9.27% | 9.35% | 9.37% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |