Greenwich, CT · Charter 21774
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 Bridgeport-Stamford-Danbury, CT area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
67
Profitability
66
Liquidity
99
Efficiency
87
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.
Greenwich, CT · Charter 21774
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 | 1.00% | 1.09% | 1.22% | 1.42% | 1.58% | 1.73% | 2.08% | 1.50% | +8 bps | |
| Return on Equity | 6.86% | 7.34% | 8.40% | 9.47% | 10.07% | 10.95% | 12.54% | 8.54% | -92 bps | |
| Net Interest Margin | 3.91% | 3.91% | 4.03% | 4.11% | 4.24% | 4.14% | 4.32% | 4.54% | +43 bps | |
| Efficiency Ratio | 66.99% | 67.85% | 67.61% | 66.53% | 65.12% | 65.51% | 65.23% | 70.43% | +391 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.82% | -1.87% | -1.07% | 1.31% | 3.52% | 5.37% | -0.63% | -4.33% | -563 bps | |
| Loan Growth (YoY) | 14.10% | 14.31% | 14.01% | 4.57% | -5.96% | -8.32% | -9.82% | -6.95% | -1,152 bps | |
| Share Growth (YoY) | -7.53% | -3.48% | -2.57% | -0.04% | 2.32% | 4.05% | -2.99% | -7.17% | -713 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.18% | 0.03% | 0.03% | 0.08% | 0.18% | 0.13% | 0.56% | +52 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 | 14.63% | 14.80% | 14.59% | 14.99% | 15.65% | 15.77% | 16.56% | 17.51% | +252 bps | |
| Net Worth / Assets | 14.63% | 14.80% | 14.59% | 14.99% | 15.65% | 15.77% | 16.56% | 17.51% | +252 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.56% | 43.73% | 41.76% | 41.19% | 40.03% | 38.53% | 38.82% | 41.29% | +10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greenwich, CT · Charter 21774 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
1.49%
Rank 4 of 15
Net Interest Margin
4.54%
Rank 4 of 15
Efficiency Ratio
70.39%
Rank 3 of 15
Equity / Assets
17.51%
Rank 3 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.27% | 0.70% | 1.49% | Beats 73% | 4 / 15 | ||
| Return on Equity | 8.53% | 1.31% | 7.41% | 10.88% | Beats 53% | 7 / 15 | ||
| Net Interest Margin | 4.54% | 3.12% | 3.54% | 4.54% | Beats 73% | 4 / 15 | ||
| Efficiency Ratio | 70.39% | 72.95% | 80.00% | 90.09% | Beats 87% | 3 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.37% | 0.80% | 1.65% | Beats 67% | 6 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.51% | 8.68% | 11.88% | 17.06% | Beats 80% | 3 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.51% | 8.68% | 11.88% | 17.06% | Beats 80% | 3 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.29% | 19.00% | 41.54% | 81.34% | 40th pctl | 9 / 15 | ||
| Loans / Assets | 33.91% | 17.30% | 35.64% | 66.97% | 40th pctl | 9 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||