Milford, CT · Charter 4043
NCUA · 12 branches
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 | 0.37% | 0.42% | 0.41% | 0.22% | 0.28% | -10 bps | |
| Return on Equity | 3.76% | 4.17% | 4.08% | 2.27% | 2.81% | -94 bps | |
| Net Interest Margin | 3.34% | 3.45% | 3.37% | 3.20% | 3.24% | -10 bps | |
| Efficiency Ratio | 89.18% | 88.02% | 88.22% | 92.05% | 92.05% | +287 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.06% | 1.02% | 3.57% | 3.34% | 3.42% | +136 bps | |
| Loan Growth (YoY) | 1.85% | -0.49% | -1.49% | -0.68% | -4.88% | -673 bps | |
| Share Growth (YoY) | 0.46% | -0.18% | 2.17% | 2.29% | 2.78% | +232 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.98% | 10.17% | 10.00% | 9.69% | 9.94% | -4 bps | |
| Net Worth / Assets | 9.98% | 10.17% | 10.00% | 9.69% | 9.94% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |