Enfield, CT · Charter 1729
NCUA · 4 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 in the Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
78
Profitability
55
Liquidity
39
Efficiency
67
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.
Enfield, CT · Charter 1729
NCUA · 4 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 | 0.77% | 0.85% | 0.82% | 0.82% | 0.96% | +19 bps | |
| Return on Equity | 9.41% | 9.37% | 8.89% | 8.86% | 10.24% | +83 bps | |
| Net Interest Margin | 3.01% | 3.30% | 3.34% | 3.29% | 3.50% | +48 bps | |
| Efficiency Ratio | 75.15% | 75.69% | 77.05% | 80.16% | 74.97% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.19% | 4.75% | 2.89% | 5.12% | -3.56% | -1,475 bps | |
| Loan Growth (YoY) | -3.47% | 1.01% | 9.44% | 9.28% | 1.18% | +465 bps | |
| Share Growth (YoY) | 11.41% | 4.35% | 2.21% | 4.58% | -4.80% | -1,621 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.16% | 0.23% | 0.31% | 0.28% | -3 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 | 8.22% | 9.05% | 9.26% | 9.21% | 9.40% | +118 bps | |
| Net Worth / Assets | 8.22% | 9.05% | 9.26% | 9.21% | 9.40% | +118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.10% | 43.59% | 44.23% | 42.15% | 41.55% | +245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Enfield, CT · Charter 1729 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 4 branches
Q2 2026
Return on Assets
0.96%
Rank 7 of 18
Net Interest Margin
3.49%
Rank 12 of 18
Efficiency Ratio
75.03%
Rank 7 of 18
Equity / Assets
9.40%
Rank 14 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.58% | 0.88% | 1.13% | Beats 61% | 7 / 18 | |
| Return on Equity | 10.26% | 4.98% | 8.55% | 10.26% | Beats 72% | 5 / 18 | |
| Net Interest Margin | 3.49% | 3.06% | 3.69% | 4.15% | Beats 33% | 12 / 18 | |
| Efficiency Ratio | 75.03% | 72.94% | 75.86% | 86.25% | Beats 67% | 7 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.28% | 0.89% | 1.47% | Beats 78% | 5 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.40% | 9.40% | 10.43% | 11.60% | Beats 22% | 14 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.40% | 9.40% | 10.43% | 11.60% | Beats 22% | 14 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 41.55% | 41.55% | 63.87% | 69.63% | 22nd pctl | 14 / 18 | |
| Loans / Assets | 37.52% | 37.52% | 56.45% | 62.95% | 22nd pctl | 14 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||