New Britain, CT · Charter 3683
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
94
Asset Quality
37
Profitability
60
Liquidity
19
Efficiency
92
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.
New Britain, CT · Charter 3683
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 | 1.18% | 1.22% | 1.28% | 0.86% | 1.10% | 1.13% | 1.79% | 1.72% | +86 bps | |
| Return on Equity | 5.24% | 5.38% | 5.52% | 3.67% | 4.60% | 4.67% | 7.49% | 6.88% | +321 bps | |
| Net Interest Margin | 3.29% | 3.33% | 3.40% | 3.46% | 3.48% | 3.49% | 3.28% | 3.42% | -4 bps | |
| Efficiency Ratio | 55.96% | 57.13% | 57.21% | 56.79% | 56.47% | 58.77% | 58.14% | 56.28% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -2.29% | -4.55% | -2.33% | -1.60% | -1.88% | 1.96% | -0.25% | +208 bps | |
| Loan Growth (YoY) | -4.81% | -3.24% | -5.11% | -3.87% | -4.73% | -5.93% | -7.97% | -10.71% | -684 bps | |
| Share Growth (YoY) | -7.13% | -4.31% | -7.30% | -4.35% | -3.63% | -3.95% | 0.88% | -2.41% | +194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 0.29% | 1.63% | 1.70% | 1.82% | 0.98% | 0.93% | 0.91% | -79 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 | 22.46% | 22.75% | 23.24% | 23.50% | 23.92% | 24.24% | 23.96% | 25.04% | +154 bps | |
| Net Worth / Assets | 22.46% | 22.75% | 23.24% | 23.50% | 23.92% | 24.24% | 23.96% | 25.04% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.32% | 47.93% | 47.13% | 48.61% | 47.77% | 46.94% | 43.00% | 44.48% | -414 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Britain, CT · Charter 3683 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.72%
Rank 158 of 1,683
Net Interest Margin
3.41%
Rank 1,195 of 1,683
Efficiency Ratio
56.68%
Rank 140 of 1,682
Equity / Assets
25.04%
Rank 101 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.72% | 0.35% | 0.74% | 1.18% | Beats 91% | 158 / 1,683 | ||
| Return on Equity | 6.87% | 2.67% | 5.89% | 8.74% | Beats 60% | 679 / 1,681 | ||
| Net Interest Margin | 3.41% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,195 / 1,683 | ||
| Efficiency Ratio | 56.68% | 68.91% | 78.20% | 86.93% | Beats 92% | 140 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,059 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.04% | 10.44% | 12.89% | 16.53% | Beats 94% | 101 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.04% | 10.44% | 12.89% | 16.53% | Beats 94% | 101 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.47% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,416 / 1,683 | ||
| Loans / Assets | 33.11% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,502 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||