PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.86%+44 bps YoY

Net Interest Margin (quarter, annualized)

2.94%-58 bps YoY

Efficiency Ratio (quarter, annualized)

75.31%+213 bps YoY

Net Worth / Assets

17.36%+87 bps YoY

Discrete quarter, annualized.

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