PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Vincent's Medical Center

Bridgeport, CT · Charter 20629

NCUA · 1 branch

Q2 2026

$21.5MAssets
$3.7MLoans
$20.7MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of -1.03%, down 52 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 1.73% of loans (+168 bps YoY).
  • Capital: net worth / assets of 8.39%, down 86 bps from a year ago.
  • Funding: loans stand at 17.87% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-1.03%-52 bps YoY

Net Interest Margin (quarter, annualized)

1.65%+6 bps YoY

Efficiency Ratio (quarter, annualized)

133.70%+480 bps YoY

Net Worth / Assets

8.39%-86 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.39%0.01%-0.22%-0.50%-0.47%-0.54%-0.98%-1.03%-52 bps
Return on Equity-4.21%0.09%-2.30%-5.46%-4.99%-6.05%-11.28%-12.24%-678 bps
Net Interest Margin1.72%1.74%1.56%1.59%1.67%1.65%1.64%1.65%+6 bps
Efficiency Ratio117.09%101.96%125.23%128.90%127.10%128.32%130.73%133.70%+480 bps
Growth
Asset Growth (YoY)-0.54%-1.73%-3.67%-1.23%-4.79%0.76%0.05%-0.79%+44 bps
Loan Growth (YoY)-22.25%-24.31%-25.30%-24.28%-17.52%-10.49%-9.04%-8.21%+1,607 bps
Share Growth (YoY)-5.41%-4.41%-5.95%-4.38%-5.96%-0.91%-1.17%-1.39%+299 bps
Asset Quality
Delinquent Loans / Loans0.89%1.42%0.89%0.05%0.85%0.91%0.97%1.73%+168 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 Capital9.21%9.84%9.58%9.25%9.40%9.00%8.66%8.39%-86 bps
Net Worth / Assets9.21%9.84%9.58%9.25%9.40%9.00%8.66%8.39%-86 bps
Liquidity & Funding
Loans / Shares22.61%21.69%19.85%19.20%19.83%19.59%18.27%17.87%-133 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps