New Haven, CT · Charter 19
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
98
Asset Quality
82
Profitability
28
Liquidity
0
Efficiency
79
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.
New Haven, CT · Charter 19
NCUA · 1 branch
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 | 1.63% | 1.68% | 1.80% | 1.87% | 1.67% | 1.58% | 1.08% | 0.83% | -103 bps | |
| Return on Equity | 5.16% | 5.23% | 5.93% | 5.86% | 5.19% | 4.96% | 3.52% | 2.60% | -326 bps | |
| Net Interest Margin | 3.08% | 3.16% | 3.07% | 3.24% | 3.06% | 2.95% | 2.29% | 2.54% | -71 bps | |
| Efficiency Ratio | 47.17% | 46.95% | 41.33% | 42.41% | 45.30% | 46.57% | 52.68% | 67.17% | +2,476 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.95% | -1.93% | -0.80% | 1.30% | 3.44% | 6.02% | 3.36% | 3.10% | +181 bps | |
| Loan Growth (YoY) | 6.80% | -1.63% | -0.14% | 0.50% | -5.96% | -7.67% | -9.42% | -16.19% | -1,669 bps | |
| Share Growth (YoY) | -4.79% | -5.11% | -3.53% | -0.79% | 2.47% | 6.40% | 2.83% | 2.91% | +370 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.06% | 0.14% | 0.11% | 0.00% | 0.00% | 0.73% | 0.13% | +2 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 | 31.56% | 32.04% | 30.38% | 31.88% | 32.20% | 31.79% | 30.74% | 32.00% | +12 bps | |
| Net Worth / Assets | 31.56% | 32.04% | 30.38% | 31.88% | 32.20% | 31.79% | 30.74% | 32.00% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.93% | 23.64% | 20.26% | 21.51% | 21.96% | 20.51% | 17.84% | 17.52% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Haven, CT · Charter 19 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 745 of 1,683
Net Interest Margin
2.54%
Rank 1,611 of 1,683
Efficiency Ratio
66.92%
Rank 355 of 1,682
Equity / Assets
32.00%
Rank 42 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.35% | 0.74% | 1.18% | Beats 56% | 745 / 1,683 | ||
| Return on Equity | 2.62% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,276 / 1,681 | ||
| Net Interest Margin | 2.54% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,611 / 1,683 | ||
| Efficiency Ratio | 66.92% | 68.91% | 78.20% | 86.93% | Beats 79% | 355 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 311 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 32.00% | 10.44% | 12.89% | 16.53% | Beats 98% | 42 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 32.00% | 10.44% | 12.89% | 16.53% | Beats 98% | 42 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 17.51% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,657 / 1,683 | ||
| Loans / Assets | 11.90% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,664 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||