PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Connecticut Postal

New Britain, CT · Charter 3683

NCUA · 1 branch

Q2 2026

$12.6MAssets
$4.2MLoans
$9.4MShares
$3.1MNet 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 1.72%, up 86 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.91% of loans (-79 bps YoY).
  • Capital: net worth / assets of 25.04%, up 154 bps from a year ago.
  • Funding: loans stand at 44.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%+86 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-4 bps YoY

Efficiency Ratio (YTD, annualized)

56.28%-51 bps YoY

Net Worth / Assets

25.04%+154 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%1.10%1.13%1.79%1.72%+86 bps
Return on Equity3.67%4.60%4.67%7.49%6.88%+321 bps
Net Interest Margin3.46%3.48%3.49%3.28%3.42%-4 bps
Efficiency Ratio56.79%56.47%58.77%58.14%56.28%-51 bps
Growth
Asset Growth (YoY)-2.33%-1.60%-1.88%1.96%-0.25%+208 bps
Loan Growth (YoY)-3.87%-4.73%-5.93%-7.97%-10.71%-684 bps
Share Growth (YoY)-4.35%-3.63%-3.95%0.88%-2.41%+194 bps
Asset Quality
Delinquent Loans / Loans1.70%1.82%0.98%0.93%0.91%-79 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 Capital23.50%23.92%24.24%23.96%25.04%+154 bps
Net Worth / Assets23.50%23.92%24.24%23.96%25.04%+154 bps
Liquidity & Funding
Loans / Shares48.61%47.77%46.94%43.00%44.48%-414 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps