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Connecticut Labor Dept

Wethersfield, CT · Charter 3544

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Connecticut Labor Dept

Wethersfield, CT · Charter 3544

NCUA · 1 branch

Q2 2026

$14.4MAssets
$2.9MLoans
$12.0MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.86%, up 44 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 1.55% of loans (+155 bps YoY).
  • Capital: net worth / assets of 17.36%, up 87 bps from a year ago.
  • Funding: loans stand at 24.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+44 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-58 bps YoY

Efficiency Ratio (YTD, annualized)

75.31%+213 bps YoY

Net Worth / Assets

17.36%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.64%0.78%0.60%0.86%+44 bps
Return on Equity2.52%3.80%4.63%3.49%4.94%+241 bps
Net Interest Margin3.53%3.55%3.29%2.94%2.94%-58 bps
Efficiency Ratio73.18%73.23%70.96%82.60%75.31%+213 bps
Growth
Asset Growth (YoY)2.83%3.68%3.79%2.72%0.71%-212 bps
Loan Growth (YoY)1.57%-1.08%-12.49%-12.21%-17.33%-1,891 bps
Share Growth (YoY)0.39%2.44%2.81%1.95%-0.03%-42 bps
Asset Quality
Delinquent Loans / Loans0.00%0.20%0.25%0.12%1.55%+155 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.49%16.79%16.88%17.09%17.36%+87 bps
Net Worth / Assets16.49%16.79%16.88%17.09%17.36%+87 bps
Liquidity & Funding
Loans / Shares29.29%29.28%27.53%25.81%24.22%-507 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Connecticut Labor Dept

Wethersfield, CT · Charter 3544 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)

NCUA · 1 branch

Q2 2026

$14.4MAssets
$2.9MLoans
$12.0MShares
$2.5MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (rank 1 of 18).
  • Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (rank 16 of 18).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.86%

Rank 10 of 18

Net Interest Margin

2.94%

Rank 16 of 18

Efficiency Ratio

75.50%

Rank 8 of 18

Equity / Assets

17.36%

Rank 1 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.58%0.88%1.13%Beats 44%10 / 18
Return on Equity4.98%4.98%8.55%10.26%Beats 22%14 / 18
Net Interest Margin2.94%3.06%3.69%4.15%Beats 11%16 / 18
Efficiency Ratio75.50%72.94%75.86%86.25%Beats 61%8 / 18
Asset Quality
Nonperforming Loans / Loans1.55%0.28%0.89%1.47%Beats 22%15 / 18
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.36%9.40%10.43%11.60%Beats 94%1 / 18
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.36%9.40%10.43%11.60%Beats 94%1 / 18
Liquidity & Funding
Loans / Deposits24.22%41.55%63.87%69.63%6th pctl17 / 18
Loans / Assets20.18%37.52%56.45%62.95%0th pctl18 / 18
Brokered Deposits / Depositsn/aNot reported for this institution