Fairfield, CT · Charter 24977
NCUA
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
40
Asset Quality
93
Profitability
75
Liquidity
50
Efficiency
73
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.
Fairfield, CT · Charter 24977
NCUA
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 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 0.74% | 0.58% | 1.06% | 1.15% | n/a | |
| Return on Equity | 7.00% | 5.57% | 10.11% | 10.88% | n/a | |
| Net Interest Margin | 4.15% | 4.05% | 5.10% | 4.95% | n/a | |
| Efficiency Ratio | 83.63% | 86.94% | 73.33% | 73.86% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Delinquent Loans / Loans | 1.01% | 0.17% | 0.12% | 0.22% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Capital | ||||||
| Risk-Based Capital | 10.51% | 10.38% | 10.50% | 10.58% | n/a | |
| Net Worth / Assets | 10.51% | 10.38% | 10.50% | 10.58% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Shares | 67.75% | 67.87% | 65.84% | 64.61% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
Fairfield, CT · Charter 24977 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)
NCUA
Q2 2026
Return on Assets
1.15%
Rank 6 of 15
Net Interest Margin
4.95%
Rank 1 of 15
Efficiency Ratio
73.86%
Rank 5 of 15
Equity / Assets
10.58%
Rank 9 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.27% | 0.70% | 1.49% | Beats 60% | 6 / 15 | ||
| Return on Equity | 10.88% | 1.31% | 7.41% | 10.88% | Beats 73% | 4 / 15 | ||
| Net Interest Margin | 4.95% | 3.12% | 3.54% | 4.54% | Beats 93% | 1 / 15 | ||
| Efficiency Ratio | 73.86% | 72.95% | 80.00% | 90.09% | Beats 73% | 5 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.37% | 0.80% | 1.65% | Beats 93% | 2 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.58% | 8.68% | 11.88% | 17.06% | Beats 40% | 9 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.58% | 8.68% | 11.88% | 17.06% | Beats 40% | 9 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.61% | 19.00% | 41.54% | 81.34% | 67th pctl | 5 / 15 | ||
| Loans / Assets | 56.86% | 17.30% | 35.64% | 66.97% | 67th pctl | 5 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||