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 | |