Sandy Hook, CT · Charter 19665
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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 Bridgeport-Stamford-Danbury, CT area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
6
Profitability
71
Liquidity
18
Efficiency
81
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.
Sandy Hook, CT · Charter 19665
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -3.19% | -9.12% | -3.73% | -1.70% | -0.73% | 2.78% | 1.43% | +517 bps | |
| Return on Equity | -0.42% | -16.39% | -56.90% | -24.06% | -10.52% | -3.01% | 10.92% | 5.30% | +2,936 bps | |
| Net Interest Margin | 3.52% | 4.19% | 4.02% | 3.82% | 3.96% | 5.91% | 5.46% | 4.79% | +97 bps | |
| Efficiency Ratio | 53.21% | 55.09% | 81.95% | 75.39% | 64.01% | 55.33% | 49.07% | 70.10% | -529 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.29% | -11.90% | -7.72% | -5.97% | -7.66% | -22.53% | -28.33% | -35.83% | -2,986 bps | |
| Loan Growth (YoY) | -29.94% | -45.62% | -46.91% | -42.00% | -17.54% | -10.02% | -10.55% | -19.63% | +2,237 bps | |
| Share Growth (YoY) | -12.59% | -11.36% | -2.97% | -0.86% | -4.80% | -27.27% | -36.41% | -44.56% | -4,370 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 40.04% | 27.62% | 18.76% | 15.10% | 8.54% | 7.11% | 4.58% | 4.43% | -1,066 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 | 10.43% | 8.54% | 26.22% | 33.89% | 33.05% | 38.33% | 43.12% | 50.41% | +1,652 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.71% | 19.45% | 16.03% | 15.52% | 16.18% | 24.38% | 25.49% | 27.02% | +1,150 bps | |
| Net Worth / Assets | 18.71% | 19.45% | 16.03% | 15.52% | 16.18% | 24.38% | 25.49% | 27.02% | +1,150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.22% | 21.90% | 17.87% | 16.66% | 19.25% | 27.09% | 25.13% | 24.15% | +749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sandy Hook, CT · Charter 19665 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=16)
NCUA · 1 branch
Q2 2025
Return on Assets
1.78%
Rank 3 of 16
Net Interest Margin
5.33%
Rank 2 of 16
Efficiency Ratio
66.67%
Rank 4 of 16
Equity / Assets
27.11%
Rank 1 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 0.38% | 0.85% | 1.61% | Beats 81% | 3 / 16 | ||
| Return on Equity | 6.56% | 2.37% | 7.69% | 10.12% | Beats 44% | 9 / 16 | ||
| Net Interest Margin | 5.33% | 3.05% | 4.02% | 4.70% | Beats 88% | 2 / 16 | ||
| Efficiency Ratio | 66.67% | 69.05% | 80.00% | 93.94% | Beats 81% | 4 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.00% | 0.22% | 0.82% | 1.95% | Beats 6% | 16 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.02% | 8.98% | 10.99% | 15.88% | Beats 94% | 1 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 27.11% | 8.98% | 10.99% | 15.88% | Beats 94% | 1 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.15% | 24.15% | 45.17% | 78.80% | 25th pctl | 12 / 16 | ||
| Loans / Assets | 17.78% | 20.48% | 39.99% | 65.99% | 6th pctl | 15 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||