PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Asa

Bloomfield, CT · Charter 21190

NCUA · 1 branch

Q2 2026

$10.8MAssets
$3.9MLoans
$9.7MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.21%, up 16 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 5.21% of loans (+99 bps YoY).
  • Capital: net worth / assets of 10.19%, up 50 bps from a year ago.
  • Funding: loans stand at 39.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.68%-63 bps YoY

Efficiency Ratio (YTD, annualized)

73.99%+904 bps YoY

Net Worth / Assets

10.19%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.17%0.98%1.13%1.21%+16 bps
Return on Equity10.82%13.32%10.54%12.96%11.88%+107 bps
Net Interest Margin5.32%4.62%4.82%4.10%4.68%-63 bps
Efficiency Ratio64.95%64.29%67.63%71.26%73.99%+904 bps
Growth
Asset Growth (YoY)-3.98%0.58%-5.70%4.90%6.88%+1,087 bps
Loan Growth (YoY)-1.31%-1.70%3.49%5.85%0.62%+193 bps
Share Growth (YoY)-5.35%-0.62%-7.20%4.09%6.03%+1,137 bps
Asset Quality
Delinquent Loans / Loans4.23%5.62%5.93%4.95%5.21%+99 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.68%8.80%9.34%8.70%10.19%+50 bps
Net Worth / Assets9.68%8.80%9.34%8.70%10.19%+50 bps
Liquidity & Funding
Loans / Shares42.06%36.01%38.04%34.38%39.92%-214 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps