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
$225K Assets
$40K Loans
$164K Shares
$61K Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 1 of 16). Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 16 of 16). Overall: at or above the peer median on 5 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.38%, the median effective tax rate of the 2,798 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11