Waterbury, CT · Charter 22
NCUA · 2 branches
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
73
Asset Quality
87
Profitability
65
Liquidity
13
Efficiency
100
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.
Waterbury, CT · Charter 22
NCUA · 2 branches
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 | 1.53% | 1.47% | 1.48% | 1.61% | 1.67% | 1.66% | 1.44% | 1.62% | +1 bps | |
| Return on Equity | 9.62% | 9.20% | 9.34% | 10.12% | 10.13% | 9.89% | 8.59% | 9.49% | -63 bps | |
| Net Interest Margin | 3.52% | 3.44% | 3.26% | 3.32% | 3.43% | 3.41% | 3.36% | 3.38% | +6 bps | |
| Efficiency Ratio | 59.20% | 59.74% | 62.38% | 59.25% | 57.68% | 58.12% | 59.77% | 58.92% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.31% | 5.50% | 7.27% | 5.69% | 6.48% | 5.42% | 3.84% | 2.56% | -314 bps | |
| Loan Growth (YoY) | -2.34% | -4.31% | -5.26% | -4.19% | -2.07% | 0.40% | 2.26% | 4.08% | +828 bps | |
| Share Growth (YoY) | 4.13% | 4.80% | 6.90% | 4.93% | 5.75% | 4.24% | 2.52% | 0.83% | -410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.36% | 0.31% | 0.22% | 0.23% | 0.34% | 0.26% | 0.26% | +3 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 | 15.94% | 15.98% | 15.81% | 15.88% | 16.49% | 16.76% | 16.81% | 17.06% | +119 bps | |
| Net Worth / Assets | 15.94% | 15.98% | 15.81% | 15.88% | 16.49% | 16.76% | 16.81% | 17.06% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.30% | 84.84% | 80.36% | 78.80% | 81.76% | 81.72% | 80.16% | 81.34% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waterbury, CT · Charter 22 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)
NCUA · 2 branches
Q2 2026
Return on Assets
1.62%
Rank 2 of 15
Net Interest Margin
3.38%
Rank 9 of 15
Efficiency Ratio
58.91%
Rank 1 of 15
Equity / Assets
17.06%
Rank 4 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.62% | 0.27% | 0.70% | 1.49% | Beats 87% | 2 / 15 | ||
| Return on Equity | 9.49% | 1.31% | 7.41% | 10.88% | Beats 67% | 5 / 15 | ||
| Net Interest Margin | 3.38% | 3.12% | 3.54% | 4.54% | Beats 40% | 9 / 15 | ||
| Efficiency Ratio | 58.91% | 72.95% | 80.00% | 90.09% | Beats 100% | 1 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.37% | 0.80% | 1.65% | Beats 87% | 3 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.06% | 8.68% | 11.88% | 17.06% | Beats 73% | 4 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.06% | 8.68% | 11.88% | 17.06% | Beats 73% | 4 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.34% | 19.00% | 41.54% | 81.34% | 73rd pctl | 4 / 15 | ||
| Loans / Assets | 66.97% | 17.30% | 35.64% | 66.97% | 73rd pctl | 4 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||