FD Community
Waterbury, CT · Charter 42 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$162.7MAssets
$102.6MLoans
$143.4MShares
$18.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 55% of credit unions under $1B in assets (rank 764 of 1681).
- Widest gap: equity / assets trails 67% of credit unions under $1B in assets (rank 1124 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.70%
Rank 876 of 1,683
Net Interest Margin
3.77%
Rank 888 of 1,683
Efficiency Ratio
79.03%
Rank 884 of 1,682
Equity / Assets
11.13%
Rank 1,124 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 48% | 876 / 1,683 | | |
| Return on Equity | 6.33% | 2.67% | 5.89% | 8.74% | Beats 55% | 764 / 1,681 | | |
| Net Interest Margin | 3.77% | 3.31% | 3.82% | 4.32% | Beats 47% | 888 / 1,683 | | |
| Efficiency Ratio | 79.03% | 68.91% | 78.20% | 86.93% | Beats 48% | 884 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,037 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.13% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,124 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.13% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,124 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.56% | 52.61% | 69.38% | 83.50% | 54th pctl | 773 / 1,683 | | |
| Loans / Assets | 63.07% | 44.71% | 59.18% | 70.72% | 58th pctl | 700 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |