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Curtis

Sandy Hook, CT · Charter 19665

NCUA · 1 branch

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area3

Basis

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.

Peer group

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.

Peer standing

Capital

94

Q2 2024Q2 2025peer median (50)

Asset Quality

6

Q2 2024Q2 2025peer median (50)

Profitability

71

Q2 2024Q2 2025peer median (50)

Liquidity

18

Q2 2024Q2 2025peer median

Efficiency

81

Q2 2024Q2 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Curtis

Sandy Hook, CT · Charter 19665

NCUA · 1 branch

Q2 2025

$225KAssets
$40KLoans
$164KShares
$61KNet Worth

Return on Assets (YTD, annualized)

1.43%+517 bps YoY

Net Interest Margin (YTD, annualized)

4.79%+97 bps YoY

Efficiency Ratio (YTD, annualized)

70.10%-529 bps YoY

Net Worth / Assets

27.02%+1,150 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Return on Assets-0.08%-3.19%-9.12%-3.73%-1.70%-0.73%2.78%1.43%+517 bps
Net Interest Margin3.52%4.19%4.02%3.82%3.96%5.91%5.46%4.79%+97 bps
Asset Growth (YoY)-10.29%-11.90%-7.72%-5.97%-7.66%-22.53%-28.33%-35.83%-2,986 bps
Share Growth (YoY)-12.59%-11.36%-2.97%-0.86%-4.80%-27.27%-36.41%-44.56%-4,370 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital18.71%19.45%16.03%15.52%16.18%24.38%25.49%27.02%+1,150 bps
Loans / Shares22.22%21.90%17.87%16.66%19.25%27.09%25.13%24.15%+749 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Curtis

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

$225KAssets
$40KLoans
$164KShares
$61KNet Worth

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.78%0.38%0.85%1.61%Beats 81%3 / 16
Net Interest Margin5.33%3.05%4.02%4.70%Beats 88%2 / 16
Nonperforming Loans / Loans5.00%0.22%0.82%1.95%Beats 6%16 / 16
Tier 1 Capital Ratio27.02%8.98%10.99%15.88%Beats 94%1 / 16
Equity / Assets27.11%8.98%10.99%15.88%Beats 94%1 / 16
Loans / Assets17.78%20.48%39.99%65.99%6th pctl15 / 16