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 | |