New Haven, CT · Charter 3790
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | 0.02% | 0.01% | -0.04% | 0.16% | +19 bps | |
| Return on Equity | -0.15% | 0.11% | 0.06% | -0.21% | 0.78% | +93 bps | |
| Net Interest Margin | 4.77% | 5.02% | 5.24% | 4.99% | 5.22% | +45 bps | |
| Efficiency Ratio | 100.59% | 99.58% | 99.75% | 100.80% | 97.13% | -346 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.90% | 1.14% | 0.10% | 0.80% | -2.38% | -428 bps | |
| Loan Growth (YoY) | 8.24% | 3.65% | -5.11% | -5.32% | -3.21% | -1,145 bps | |
| Share Growth (YoY) | 2.24% | 1.40% | 0.22% | 1.11% | -3.04% | -528 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 2.71% | 3.26% | 4.65% | 3.08% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.35% | 1.39% | 1.41% | 1.21% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.13% | 20.65% | 21.40% | 20.38% | 20.73% | +60 bps | |
| Net Worth / Assets | 20.13% | 20.65% | 21.40% | 20.38% | 20.73% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.64% | 90.63% | 90.53% | 83.20% | 87.48% | -16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |