Bridgeport, CT · Charter 3575
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
7
Profitability
28
Liquidity
91
Efficiency
5
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.
Bridgeport, CT · Charter 3575
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 | 1.08% | 0.37% | -0.89% | -0.24% | 0.10% | 0.19% | -0.61% | -0.28% | -4 bps | |
| Return on Equity | 3.90% | 1.38% | -3.34% | -0.88% | 0.34% | 0.64% | -2.03% | -0.94% | -6 bps | |
| Net Interest Margin | 5.04% | 5.07% | 3.06% | 3.91% | 4.55% | 4.60% | 4.06% | 4.14% | +23 bps | |
| Efficiency Ratio | 79.57% | 92.99% | 127.71% | 105.84% | 97.86% | 96.18% | 114.24% | 106.43% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.40% | -4.35% | -3.47% | -4.46% | -7.32% | -5.64% | -9.71% | -9.37% | -492 bps | |
| Loan Growth (YoY) | 5.78% | -4.71% | 2.00% | -0.43% | 10.90% | 12.83% | -2.08% | 36.79% | +3,722 bps | |
| Share Growth (YoY) | -10.90% | -5.99% | -4.67% | -5.99% | -9.62% | -8.44% | -13.56% | -13.07% | -708 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.41% | 4.90% | 3.85% | 3.82% | 0.64% | 0.94% | 2.96% | 3.21% | -61 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 | 5.54% | 5.84% | 5.62% | 5.84% | 4.80% | 4.78% | 3.46% | 3.34% | -250 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.66% | 26.94% | 26.69% | 26.98% | 29.44% | 29.10% | 29.85% | 29.95% | +297 bps | |
| Net Worth / Assets | 27.66% | 26.94% | 26.69% | 26.98% | 29.44% | 29.10% | 29.85% | 29.95% | +297 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.34% | 41.06% | 42.53% | 42.24% | 54.40% | 50.59% | 48.17% | 66.46% | +2,422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bridgeport, CT · Charter 3575 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.29%
Rank 1,549 of 1,683
Net Interest Margin
4.12%
Rank 586 of 1,683
Efficiency Ratio
106.76%
Rank 1,597 of 1,682
Equity / Assets
29.96%
Rank 53 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.29% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,549 / 1,683 | ||
| Return on Equity | -0.98% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,521 / 1,681 | ||
| Net Interest Margin | 4.12% | 3.31% | 3.82% | 4.32% | Beats 65% | 586 / 1,683 | ||
| Efficiency Ratio | 106.76% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,597 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.23% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,567 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.96% | 10.44% | 12.89% | 16.53% | Beats 97% | 53 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.96% | 10.44% | 12.89% | 16.53% | Beats 97% | 53 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.48% | 52.61% | 69.38% | 83.50% | 44th pctl | 935 / 1,683 | ||
| Loans / Assets | 46.43% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,214 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||