Meriden, CT · Charter 153
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 (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
89
Asset Quality
0
Profitability
29
Liquidity
0
Efficiency
1
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.
Meriden, CT · Charter 153
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 | -1.77% | -3.03% | -2.92% | -3.82% | -3.69% | -191 bps | |
| Return on Equity | -8.21% | -14.48% | -13.05% | -17.87% | -17.60% | -939 bps | |
| Net Interest Margin | 5.04% | 3.87% | 4.92% | 3.06% | 4.63% | -41 bps | |
| Efficiency Ratio | 135.14% | 178.15% | 159.40% | 225% | 179.65% | +4,451 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.36% | -1.49% | -11.21% | -10.94% | -12.78% | -642 bps | |
| Loan Growth (YoY) | 15.93% | -11.31% | -25.48% | -32.84% | -37.97% | -5,390 bps | |
| Share Growth (YoY) | -7.12% | 1.05% | -11.11% | -10.27% | -12.06% | -494 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 7.00% | 23.73% | 25.08% | 27.72% | +2,772 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 22.87% | 25.44% | 29.54% | 33.45% | 36.93% | +1,405 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.59% | 20.89% | 22.40% | 21.35% | 20.95% | -64 bps | |
| Net Worth / Assets | 21.59% | 20.89% | 22.40% | 21.35% | 20.95% | -64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.19% | 13.03% | 12.51% | 10.85% | 10.01% | -418 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Meriden, CT · Charter 153 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-3.50%
Rank 1,661 of 1,683
Net Interest Margin
4.66%
Rank 261 of 1,683
Efficiency Ratio
175.00%
Rank 1,666 of 1,682
Equity / Assets
20.99%
Rank 185 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.50% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,661 / 1,683 | |
| Return on Equity | -16.67% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,646 / 1,681 | |
| Net Interest Margin | 4.66% | 3.31% | 3.82% | 4.32% | Beats 84% | 261 / 1,683 | |
| Efficiency Ratio | 175.00% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,666 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 29.63% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,682 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.99% | 10.44% | 12.89% | 16.53% | Beats 89% | 185 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.99% | 10.44% | 12.89% | 16.53% | Beats 89% | 185 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 9.96% | 52.61% | 69.38% | 83.50% | 0th pctl | 1,675 / 1,683 | |
| Loans / Assets | 7.87% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,674 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||