PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

FD Community

Waterbury, CT · Charter 42

NCUA · 3 branches

Q2 2026

$162.7MAssets
$102.6MLoans
$143.4MShares
$18.1MNet 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 0.70%, down 14 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.89% of loans (-3 bps YoY).
  • Capital: net worth / assets of 11.13%, up 27 bps from a year ago.
  • Funding: loans stand at 71.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+11 bps YoY

Efficiency Ratio (YTD, annualized)

79.02%+257 bps YoY

Net Worth / Assets

11.13%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.77%0.79%0.60%0.70%-14 bps
Return on Equity7.76%6.84%7.05%5.42%6.33%-143 bps
Net Interest Margin3.66%3.81%3.73%3.81%3.77%+11 bps
Efficiency Ratio76.46%77.03%77.22%81.29%79.02%+257 bps
Growth
Asset Growth (YoY)6.92%5.41%5.69%2.90%4.02%-289 bps
Loan Growth (YoY)2.25%5.26%14.38%20.72%22.54%+2,029 bps
Share Growth (YoY)6.78%5.58%5.52%2.83%4.12%-266 bps
Asset Quality
Delinquent Loans / Loans0.92%1.13%1.38%1.15%0.89%-3 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 Capital10.86%11.18%11.23%11.11%11.13%+27 bps
Net Worth / Assets10.86%11.18%11.23%11.11%11.13%+27 bps
Liquidity & Funding
Loans / Shares60.80%63.48%66.94%68.48%71.56%+1,076 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps