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 | |