Milford, CT · Charter 4043
NCUA · 12 branches
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
19
Asset Quality
20
Profitability
23
Liquidity
62
Efficiency
15
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.
Milford, CT · Charter 4043
NCUA · 12 branches
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 | 0.49% | 0.46% | 0.28% | 0.37% | 0.42% | 0.41% | 0.22% | 0.28% | -10 bps | |
| Return on Equity | 4.97% | 4.65% | 2.91% | 3.76% | 4.17% | 4.08% | 2.27% | 2.81% | -94 bps | |
| Net Interest Margin | 3.38% | 3.37% | 3.19% | 3.34% | 3.45% | 3.37% | 3.20% | 3.24% | -10 bps | |
| Efficiency Ratio | 87.56% | 87.73% | 90.80% | 89.18% | 88.02% | 88.22% | 92.05% | 92.05% | +287 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.08% | 1.85% | 1.55% | 2.06% | 1.02% | 3.57% | 3.34% | 3.42% | +136 bps | |
| Loan Growth (YoY) | 4.47% | 4.03% | 2.30% | 1.85% | -0.49% | -1.49% | -0.68% | -4.88% | -673 bps | |
| Share Growth (YoY) | -1.25% | 0.92% | -0.07% | 0.46% | -0.18% | 2.17% | 2.29% | 2.78% | +232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 1.09% | 0.83% | 1.34% | 1.47% | 1.31% | 0.93% | 1.57% | +22 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 | 9.92% | 10.00% | 9.69% | 9.98% | 10.17% | 10.00% | 9.69% | 9.94% | -4 bps | |
| Net Worth / Assets | 9.92% | 10.00% | 9.69% | 9.98% | 10.17% | 10.00% | 9.69% | 9.94% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.27% | 63.51% | 60.57% | 62.43% | 63.08% | 61.23% | 58.81% | 57.78% | -465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Milford, CT · Charter 4043 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
Return on Assets
0.28%
Rank 1,325 of 1,683
Net Interest Margin
3.24%
Rank 1,312 of 1,683
Efficiency Ratio
92.05%
Rank 1,437 of 1,682
Equity / Assets
9.94%
Rank 1,356 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,325 / 1,683 | ||
| Return on Equity | 2.81% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,239 / 1,681 | ||
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,312 / 1,683 | ||
| Efficiency Ratio | 92.05% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,437 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.57% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,351 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,356 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,356 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.78% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,152 / 1,683 | ||
| Loans / Assets | 52.17% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,056 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||