Sandy Hook, CT · Charter 19665
NCUA · 1 branch
Q2 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.73% | -1.70% | -0.73% | 2.78% | 1.43% | +517 bps | |
| Return on Equity | -24.06% | -10.52% | -3.01% | 10.92% | 5.30% | +2,936 bps | |
| Net Interest Margin | 3.82% | 3.96% | 5.91% | 5.46% | 4.79% | +97 bps | |
| Efficiency Ratio | 75.39% | 64.01% | 55.33% | 49.07% | 70.10% | -529 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.97% | -7.66% | -22.53% | -28.33% | -35.83% | -2,986 bps | |
| Loan Growth (YoY) | -42.00% | -17.54% | -10.02% | -10.55% | -19.63% | +2,237 bps | |
| Share Growth (YoY) | -0.86% | -4.80% | -27.27% | -36.41% | -44.56% | -4,370 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 33.89% | 33.05% | 38.33% | 43.12% | 50.41% | +1,652 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.52% | 16.18% | 24.38% | 25.49% | 27.02% | +1,150 bps | |
| Net Worth / Assets | 15.52% | 16.18% | 24.38% | 25.49% | 27.02% | +1,150 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |