Waterbury, CT · Charter 42
NCUA · 3 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 | 1.05% | 1.04% | 0.59% | 0.84% | 0.77% | 0.79% | 0.60% | 0.70% | -14 bps | |
| Return on Equity | 9.62% | 9.37% | 5.57% | 7.76% | 6.84% | 7.05% | 5.42% | 6.33% | -143 bps | |
| Net Interest Margin | 3.49% | 3.45% | 3.50% | 3.66% | 3.81% | 3.73% | 3.81% | 3.77% | +11 bps | |
| Efficiency Ratio | 74.63% | 74.12% | 80.38% | 76.46% | 77.03% | 77.22% | 81.29% | 79.02% | +257 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 3.51% | 7.30% | 6.92% | 5.41% | 5.69% | 2.90% | 4.02% | -289 bps | |
| Loan Growth (YoY) | 1.06% | -1.81% | -2.33% | 2.25% | 5.26% | 14.38% | 20.72% | 22.54% | +2,029 bps | |
| Share Growth (YoY) | -0.26% | 2.97% | 6.99% | 6.78% | 5.58% | 5.52% | 2.83% | 4.12% | -266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.87% | 1.35% | 1.15% | 0.92% | 1.13% | 1.38% | 1.15% | 0.89% | -3 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 | 10.96% | 11.05% | 10.66% | 10.86% | 11.18% | 11.23% | 11.11% | 11.13% | +27 bps | |
| Net Worth / Assets | 10.96% | 11.05% | 10.66% | 10.86% | 11.18% | 11.23% | 11.11% | 11.13% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.67% | 61.76% | 58.33% | 60.80% | 63.48% | 66.94% | 68.48% | 71.56% | +1,076 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |