PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Haven Teachers

New Haven, CT · Charter 19

NCUA · 1 branch

Q2 2026

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

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.

Return on Assets (quarter, annualized)

0.83%-103 bps YoY

Net Interest Margin (quarter, annualized)

2.54%-71 bps YoY

Efficiency Ratio (quarter, annualized)

67.17%+2,476 bps YoY

Net Worth / Assets

32.00%+12 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.68%1.80%1.87%1.67%1.58%1.08%0.83%-103 bps
Return on Equity5.16%5.23%5.93%5.86%5.19%4.96%3.52%2.60%-326 bps
Net Interest Margin3.08%3.16%3.07%3.24%3.06%2.95%2.29%2.54%-71 bps
Efficiency Ratio47.17%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 / Loans0.11%0.06%0.14%0.11%0.00%0.00%0.73%0.13%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital31.56%32.04%30.38%31.88%32.20%31.79%30.74%32.00%+12 bps
Net Worth / Assets31.56%32.04%30.38%31.88%32.20%31.79%30.74%32.00%+12 bps
Liquidity & Funding
Loans / Shares23.93%23.64%20.26%21.51%21.96%20.51%17.84%17.52%-399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps