Meriden, CT · Charter 60048
NCUA · 2 branches
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 in the Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
94
Profitability
28
Liquidity
4
Efficiency
94
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.
Meriden, CT · Charter 60048
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.56% | 0.60% | 0.85% | 0.92% | +45 bps | |
| Return on Equity | 3.09% | 3.62% | 3.96% | 5.65% | 6.09% | +300 bps | |
| Net Interest Margin | 2.18% | 2.25% | 2.25% | 2.45% | 2.54% | +36 bps | |
| Efficiency Ratio | 80.20% | 77.14% | 75.30% | 67.18% | 65.46% | -1,475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.67% | 3.56% | 4.88% | 4.71% | 5.90% | +523 bps | |
| Loan Growth (YoY) | -2.96% | -3.16% | -1.83% | -3.16% | -1.07% | +190 bps | |
| Share Growth (YoY) | 0.12% | 3.67% | 4.61% | 4.48% | 6.00% | +588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.03% | 0.07% | 0.04% | 0.06% | +2 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.13% | 15.35% | 15.12% | 14.97% | 15.10% | -2 bps | |
| Net Worth / Assets | 15.13% | 15.35% | 15.12% | 14.97% | 15.10% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.04% | 31.15% | 30.16% | 28.81% | 28.97% | -207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Meriden, CT · Charter 60048 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 2 branches
Q2 2026
Return on Assets
0.92%
Rank 8 of 18
Net Interest Margin
2.54%
Rank 18 of 18
Efficiency Ratio
65.49%
Rank 2 of 18
Equity / Assets
15.10%
Rank 2 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.58% | 0.88% | 1.13% | Beats 56% | 8 / 18 | |
| Return on Equity | 6.08% | 4.98% | 8.55% | 10.26% | Beats 28% | 13 / 18 | |
| Net Interest Margin | 2.54% | 3.06% | 3.69% | 4.15% | Beats 0% | 18 / 18 | |
| Efficiency Ratio | 65.49% | 72.94% | 75.86% | 86.25% | Beats 94% | 2 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.28% | 0.89% | 1.47% | Beats 94% | 2 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.10% | 9.40% | 10.43% | 11.60% | Beats 89% | 2 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.10% | 9.40% | 10.43% | 11.60% | Beats 89% | 2 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.97% | 41.55% | 63.87% | 69.63% | 11th pctl | 16 / 18 | |
| Loans / Assets | 24.40% | 37.52% | 56.45% | 62.95% | 11th pctl | 16 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||