Waterford, CT · Charter 3413
NCUA · 15 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.95% | 1.67% | 1.31% | 1.31% | 1.25% | 1.72% | 1.60% | +29 bps | |
| Return on Equity | 8.51% | 8.42% | 14.75% | 11.38% | 10.85% | 10.37% | 13.92% | 12.74% | +136 bps | |
| Net Interest Margin | 2.36% | 2.37% | 2.45% | 2.56% | 2.69% | 2.70% | 2.86% | 2.88% | +32 bps | |
| Efficiency Ratio | 69.90% | 70.62% | 54.83% | 60.52% | 62.23% | 63.97% | 54.28% | 57.52% | -300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.70% | 3.33% | 5.04% | 3.96% | 3.70% | 4.49% | 2.28% | 3.33% | -63 bps | |
| Loan Growth (YoY) | -1.18% | -1.92% | -0.88% | -1.72% | -3.72% | -4.21% | -5.70% | -4.00% | -228 bps | |
| Share Growth (YoY) | 2.80% | 4.52% | 3.86% | 3.05% | 3.26% | 3.24% | 2.25% | 2.98% | -7 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.33% | 0.45% | 0.53% | 0.47% | 0.44% | 0.31% | 0.50% | -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 | 11.23% | 11.34% | 11.33% | 11.54% | 12.05% | 12.10% | 12.33% | 12.54% | +100 bps | |
| Net Worth / Assets | 11.23% | 11.34% | 11.33% | 11.54% | 12.05% | 12.10% | 12.33% | 12.54% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.92% | 65.16% | 63.48% | 62.16% | 62.39% | 60.46% | 58.54% | 57.94% | -422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |