Enfield, CT · Charter 1729
NCUA · 4 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 | 0.90% | 0.83% | 0.56% | 0.77% | 0.85% | 0.82% | 0.82% | 0.96% | +19 bps | |
| Return on Equity | 10.42% | 9.61% | 6.44% | 9.41% | 9.37% | 8.89% | 8.86% | 10.24% | +83 bps | |
| Net Interest Margin | 3.21% | 3.13% | 2.98% | 3.01% | 3.30% | 3.34% | 3.29% | 3.50% | +48 bps | |
| Efficiency Ratio | 74.49% | 76.06% | 80.69% | 75.15% | 75.69% | 77.05% | 80.16% | 74.97% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | -1.26% | -0.74% | 11.19% | 4.75% | 2.89% | 5.12% | -3.56% | -1,475 bps | |
| Loan Growth (YoY) | 2.15% | -8.19% | -9.91% | -3.47% | 1.01% | 9.44% | 9.28% | 1.18% | +465 bps | |
| Share Growth (YoY) | -1.08% | -2.20% | -1.46% | 11.41% | 4.35% | 2.21% | 4.58% | -4.80% | -1,621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.46% | 0.26% | 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 | 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 | 8.64% | 8.68% | 8.76% | 8.22% | 9.05% | 9.26% | 9.21% | 9.40% | +118 bps | |
| Net Worth / Assets | 8.64% | 8.68% | 8.76% | 8.22% | 9.05% | 9.26% | 9.21% | 9.40% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.04% | 41.31% | 40.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |