Waterbury, CT · Charter 452
NCUA · 1 branch
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
1
Asset Quality
43
Profitability
69
Liquidity
0
Efficiency
23
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.
Waterbury, CT · Charter 452
NCUA · 1 branch
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 | 0.07% | 0.43% | 0.22% | 0.17% | 0.30% | 0.40% | 0.65% | 0.62% | +45 bps | |
| Return on Equity | 0.98% | 5.52% | 2.78% | 2.30% | 4.21% | 5.68% | 9.08% | 8.93% | +663 bps | |
| Net Interest Margin | 2.83% | 3.78% | 4.13% | 3.92% | 3.71% | 3.81% | 4.76% | 4.85% | +93 bps | |
| Efficiency Ratio | 94.29% | 88.92% | 95.56% | 96.64% | 93.60% | 91.81% | 86.65% | 87.84% | -880 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | -1.19% | 1.54% | 7.22% | 16.12% | 19.83% | 18.93% | 18.18% | +1,096 bps | |
| Loan Growth (YoY) | 15.75% | 15.08% | 13.66% | 6.27% | 29.04% | 39.03% | 50.89% | 66.52% | +6,025 bps | |
| Share Growth (YoY) | -3.14% | -0.84% | 1.53% | 7.84% | 20.00% | 18.20% | 20.39% | 18.18% | +1,034 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.43% | 0.76% | 0.78% | 1.38% | 0.93% | 1.48% | 0.81% | +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 | 7.62% | 7.79% | 7.78% | 7.37% | 7.04% | 7.03% | 7.17% | 6.99% | -38 bps | |
| Net Worth / Assets | 7.62% | 7.79% | 7.78% | 7.37% | 7.04% | 7.03% | 7.17% | 6.99% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.31% | 72.22% | 70.12% | 65.44% | 76.68% | 84.95% | 87.89% | 92.21% | +2,677 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waterbury, CT · Charter 452 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.62%
Rank 981 of 1,683
Net Interest Margin
4.85%
Rank 185 of 1,683
Efficiency Ratio
87.83%
Rank 1,301 of 1,682
Equity / Assets
6.99%
Rank 1,665 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 42% | 981 / 1,683 | ||
| Return on Equity | 8.94% | 2.67% | 5.89% | 8.74% | Beats 76% | 397 / 1,681 | ||
| Net Interest Margin | 4.85% | 3.31% | 3.82% | 4.32% | Beats 89% | 185 / 1,683 | ||
| Efficiency Ratio | 87.83% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,301 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.26% | 0.65% | 1.29% | Beats 43% | 966 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.99% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,665 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.99% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,665 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.21% | 52.61% | 69.38% | 83.50% | 90th pctl | 167 / 1,683 | ||
| Loans / Assets | 84.28% | 44.71% | 59.18% | 70.72% | 97th pctl | 55 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||