PackageTrendsPeer
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New Haven Teachers

New Haven, CT · Charter 19

NCUA · 1 branch

Q2 2026

$10.2MAssets
$1.2MLoans
$7.0MShares
$3.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.83%, down 103 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.13% of loans (+2 bps YoY).
  • Capital: net worth / assets of 32.00%, up 12 bps from a year ago.
  • Funding: loans stand at 17.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%-103 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-71 bps YoY

Efficiency Ratio (YTD, annualized)

67.17%+2,476 bps YoY

Net Worth / Assets

32.00%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.67%1.58%1.08%0.83%-103 bps
Return on Equity5.86%5.19%4.96%3.52%2.60%-326 bps
Net Interest Margin3.24%3.06%2.95%2.29%2.54%-71 bps
Efficiency Ratio42.41%45.30%46.57%52.68%67.17%+2,476 bps
Growth
Asset Growth (YoY)1.30%3.44%6.02%3.36%3.10%+181 bps
Loan Growth (YoY)0.50%-5.96%-7.67%-9.42%-16.19%-1,669 bps
Share Growth (YoY)-0.79%2.47%6.40%2.83%2.91%+370 bps
Asset Quality
Delinquent Loans / Loans0.11%0.00%0.00%0.73%0.13%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital31.88%32.20%31.79%30.74%32.00%+12 bps
Net Worth / Assets31.88%32.20%31.79%30.74%32.00%+12 bps
Liquidity & Funding
Loans / Shares21.51%21.96%20.51%17.84%17.52%-399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps