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 | |