Bloomfield, CT · Charter 21190
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
6
Profitability
80
Liquidity
35
Efficiency
72
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.
Bloomfield, CT · Charter 21190
NCUA · 1 branch
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.02% | 0.36% | 1.05% | 1.17% | 0.98% | 1.13% | 1.21% | +16 bps | |
| Return on Equity | 13.31% | 12.97% | 4.45% | 10.82% | 13.32% | 10.54% | 12.96% | 11.88% | +107 bps | |
| Net Interest Margin | 4.32% | 4.38% | 4.55% | 5.32% | 4.62% | 4.82% | 4.10% | 4.68% | -63 bps | |
| Efficiency Ratio | 65.76% | 65.36% | 65.25% | 64.95% | 64.29% | 67.63% | 71.26% | 73.99% | +904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.17% | 8.76% | 6.89% | -3.98% | 0.58% | -5.70% | 4.90% | 6.88% | +1,087 bps | |
| Loan Growth (YoY) | 2.43% | -2.06% | -2.96% | -1.31% | -1.70% | 3.49% | 5.85% | 0.62% | +193 bps | |
| Share Growth (YoY) | 4.76% | 8.29% | 6.43% | -5.35% | -0.62% | -7.20% | 4.09% | 6.03% | +1,137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.98% | 5.12% | 4.47% | 4.23% | 5.62% | 5.93% | 4.95% | 5.21% | +99 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.70% | 7.88% | 7.99% | 9.68% | 8.80% | 9.34% | 8.70% | 10.19% | +50 bps | |
| Net Worth / Assets | 7.70% | 7.88% | 7.99% | 9.68% | 8.80% | 9.34% | 8.70% | 10.19% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.41% | 34.11% | 33.81% | 42.06% | 36.01% | 38.04% | 34.38% | 39.92% | -214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomfield, CT · Charter 21190 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 1 branch
Q2 2026
Return on Assets
1.22%
Rank 4 of 18
Net Interest Margin
4.67%
Rank 4 of 18
Efficiency Ratio
74.10%
Rank 6 of 18
Equity / Assets
10.19%
Rank 10 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.58% | 0.88% | 1.13% | Beats 78% | 4 / 18 | ||
| Return on Equity | 11.97% | 4.98% | 8.55% | 10.26% | Beats 83% | 3 / 18 | ||
| Net Interest Margin | 4.67% | 3.06% | 3.69% | 4.15% | Beats 78% | 4 / 18 | ||
| Efficiency Ratio | 74.10% | 72.94% | 75.86% | 86.25% | Beats 72% | 6 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.20% | 0.28% | 0.89% | 1.47% | Beats 6% | 18 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.19% | 9.40% | 10.43% | 11.60% | Beats 44% | 10 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.19% | 9.40% | 10.43% | 11.60% | Beats 44% | 10 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.92% | 41.55% | 63.87% | 69.63% | 17th pctl | 15 / 18 | ||
| Loans / Assets | 35.85% | 37.52% | 56.45% | 62.95% | 17th pctl | 15 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||