PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Police Credit Union Inc.

Meriden, CT · Charter 60048

NCUA · 2 branches

Q2 2026

$84.0MAssets
$20.5MLoans
$70.8MShares
$12.7MNet 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 0.92%, up 45 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.06% of loans (+2 bps YoY).
  • Capital: net worth / assets of 15.10%, down 2 bps from a year ago.
  • Funding: loans stand at 28.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+36 bps YoY

Efficiency Ratio (YTD, annualized)

65.46%-1,475 bps YoY

Net Worth / Assets

15.10%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.56%0.60%0.85%0.92%+45 bps
Return on Equity3.09%3.62%3.96%5.65%6.09%+300 bps
Net Interest Margin2.18%2.25%2.25%2.45%2.54%+36 bps
Efficiency Ratio80.20%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 / Loans0.04%0.03%0.07%0.04%0.06%+2 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 Capital15.13%15.35%15.12%14.97%15.10%-2 bps
Net Worth / Assets15.13%15.35%15.12%14.97%15.10%-2 bps
Liquidity & Funding
Loans / Shares31.04%31.15%30.16%28.81%28.97%-207 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps