Norwalk, CT · Charter 24705
NCUA · 3 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
0
Asset Quality
33
Profitability
80
Liquidity
10
Efficiency
67
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.
Norwalk, CT · Charter 24705
NCUA · 3 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 | -1.87% | -1.37% | -0.25% | 0.11% | 0.20% | 0.23% | -0.08% | 1.51% | +139 bps | |
| Return on Equity | -29.42% | -21.65% | -4.07% | 1.83% | 3.01% | 3.37% | -1.18% | 19.80% | +1,797 bps | |
| Net Interest Margin | 3.94% | 3.96% | 4.01% | 4.05% | 4.30% | 4.35% | 4.32% | 4.36% | +30 bps | |
| Efficiency Ratio | 113.23% | 108.42% | 101.21% | 94.55% | 92.94% | 92.53% | 100.40% | 76.42% | -1,813 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | -3.33% | -4.40% | -2.56% | -3.67% | -4.84% | -7.70% | -8.54% | -598 bps | |
| Loan Growth (YoY) | 0.32% | -1.98% | -2.87% | -1.31% | -2.59% | -4.17% | -6.05% | -9.32% | -801 bps | |
| Share Growth (YoY) | 1.05% | 2.86% | 1.37% | -1.20% | -1.52% | -4.16% | -6.08% | -7.42% | -623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.99% | 0.68% | 0.82% | 1.02% | 0.83% | 0.46% | 1.43% | +61 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 | 6.35% | 6.31% | 6.19% | 6.28% | 6.70% | 6.77% | 6.80% | 7.60% | +132 bps | |
| Net Worth / Assets | 6.35% | 6.31% | 6.19% | 6.28% | 6.70% | 6.77% | 6.80% | 7.60% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.13% | 86.52% | 84.22% | 84.26% | 87.18% | 86.51% | 84.24% | 82.54% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norwalk, CT · Charter 24705 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)
NCUA · 3 branches
Q2 2026
Return on Assets
1.51%
Rank 3 of 15
Net Interest Margin
4.36%
Rank 5 of 15
Efficiency Ratio
76.42%
Rank 6 of 15
Equity / Assets
7.60%
Rank 15 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 0.27% | 0.70% | 1.49% | Beats 80% | 3 / 15 | ||
| Return on Equity | 19.81% | 1.31% | 7.41% | 10.88% | Beats 93% | 1 / 15 | ||
| Net Interest Margin | 4.36% | 3.12% | 3.54% | 4.54% | Beats 67% | 5 / 15 | ||
| Efficiency Ratio | 76.42% | 72.95% | 80.00% | 90.09% | Beats 67% | 6 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.43% | 0.37% | 0.80% | 1.65% | Beats 33% | 11 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.60% | 8.68% | 11.88% | 17.06% | Beats 0% | 15 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.60% | 8.68% | 11.88% | 17.06% | Beats 0% | 15 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.54% | 19.00% | 41.54% | 81.34% | 80th pctl | 3 / 15 | ||
| Loans / Assets | 75.13% | 17.30% | 35.64% | 66.97% | 80th pctl | 3 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||