Wethersfield, CT · Charter 3544
NCUA · 1 branch
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 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.
Capital
94
Asset Quality
22
Profitability
26
Liquidity
0
Efficiency
61
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.
Wethersfield, CT · Charter 3544
NCUA · 1 branch
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 | 1.04% | 1.03% | -0.96% | 0.42% | 0.64% | 0.78% | 0.60% | 0.86% | +44 bps | |
| Return on Equity | 6.23% | 6.20% | -5.67% | 2.52% | 3.80% | 4.63% | 3.49% | 4.94% | +241 bps | |
| Net Interest Margin | 3.25% | 3.23% | 2.90% | 3.53% | 3.55% | 3.29% | 2.94% | 2.94% | -58 bps | |
| Efficiency Ratio | 72.46% | 72.37% | 81.71% | 73.18% | 73.23% | 70.96% | 82.60% | 75.31% | +213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.38% | 0.01% | 0.29% | 2.83% | 3.68% | 3.79% | 2.72% | 0.71% | -212 bps | |
| Loan Growth (YoY) | 13.72% | 16.36% | 5.01% | 1.57% | -1.08% | -12.49% | -12.21% | -17.33% | -1,891 bps | |
| Share Growth (YoY) | -1.95% | -2.51% | -1.73% | 0.39% | 2.44% | 2.81% | 1.95% | -0.03% | -42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.81% | 0.00% | 0.00% | 0.20% | 0.25% | 0.12% | 1.55% | +155 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 | 16.64% | 16.71% | 16.88% | 16.49% | 16.79% | 16.88% | 17.09% | 17.36% | +87 bps | |
| Net Worth / Assets | 16.64% | 16.71% | 16.88% | 16.49% | 16.79% | 16.88% | 17.09% | 17.36% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.33% | 32.34% | 29.97% | 29.29% | 29.28% | 27.53% | 25.81% | 24.22% | -507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.58% | 0.88% | 1.13% | Beats 44% | 10 / 18 | ||
| Return on Equity | 4.98% | 4.98% | 8.55% | 10.26% | Beats 22% | 14 / 18 | ||
| Net Interest Margin | 2.94% | 3.06% | 3.69% | 4.15% | Beats 11% | 16 / 18 | ||
| Efficiency Ratio | 75.50% | 72.94% | 75.86% | 86.25% | Beats 61% | 8 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.28% | 0.89% | 1.47% | Beats 22% | 15 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.36% | 9.40% | 10.43% | 11.60% | Beats 94% | 1 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.36% | 9.40% | 10.43% | 11.60% | Beats 94% | 1 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.22% | 41.55% | 63.87% | 69.63% | 6th pctl | 17 / 18 | ||
| Loans / Assets | 20.18% | 37.52% | 56.45% | 62.95% | 0th pctl | 18 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||