Manchester, CT · Charter 60247
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 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
78
Asset Quality
50
Profitability
83
Liquidity
50
Efficiency
56
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.
Manchester, CT · Charter 60247
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 | 1.60% | 3.35% | 0.26% | 1.02% | 0.91% | 0.89% | 1.07% | 1.27% | +25 bps | |
| Return on Equity | 15.54% | 31.70% | 2.59% | 9.62% | 8.23% | 7.99% | 9.60% | 10.90% | +128 bps | |
| Net Interest Margin | 5.16% | 5.28% | 5.18% | 5.38% | 5.56% | 5.55% | 5.35% | 5.29% | -9 bps | |
| Efficiency Ratio | 71.31% | 45.33% | 74.47% | 72.74% | 74.65% | 76.48% | 77.27% | 75.86% | +312 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.45% | 6.44% | 6.77% | 4.24% | 2.94% | 3.25% | -0.17% | -0.29% | -453 bps | |
| Loan Growth (YoY) | 10.13% | -1.13% | -6.29% | -7.97% | -10.42% | -7.75% | -6.97% | -9.77% | -181 bps | |
| Share Growth (YoY) | 1.92% | 5.28% | 5.71% | 2.82% | 1.67% | 2.86% | -1.74% | -2.02% | -484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.64% | 1.57% | 1.14% | 1.36% | 1.06% | 2.13% | 0.45% | 0.89% | -47 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 | 10.33% | 10.56% | 10.04% | 10.60% | 11.00% | 11.12% | 11.13% | 11.63% | +103 bps | |
| Net Worth / Assets | 10.33% | 10.56% | 10.04% | 10.60% | 11.00% | 11.12% | 11.13% | 11.63% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.96% | 82.77% | 74.31% | 75.46% | 75.74% | 74.24% | 70.36% | 69.49% | -597 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manchester, CT · Charter 60247 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 1 branch
Q2 2026
Return on Assets
1.27%
Rank 3 of 18
Net Interest Margin
5.30%
Rank 2 of 18
Efficiency Ratio
75.81%
Rank 9 of 18
Equity / Assets
11.63%
Rank 4 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.58% | 0.88% | 1.13% | Beats 83% | 3 / 18 | ||
| Return on Equity | 10.88% | 4.98% | 8.55% | 10.26% | Beats 78% | 4 / 18 | ||
| Net Interest Margin | 5.30% | 3.06% | 3.69% | 4.15% | Beats 89% | 2 / 18 | ||
| Efficiency Ratio | 75.81% | 72.94% | 75.86% | 86.25% | Beats 56% | 9 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.28% | 0.89% | 1.47% | Beats 50% | 10 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 9.40% | 10.43% | 11.60% | Beats 78% | 4 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.63% | 9.40% | 10.43% | 11.60% | Beats 78% | 4 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.48% | 41.55% | 63.87% | 69.63% | 67th pctl | 6 / 18 | ||
| Loans / Assets | 60.70% | 37.52% | 56.45% | 62.95% | 67th pctl | 6 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||