Wethersfield, CT · Charter 60457
NCUA · 8 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
61
Asset Quality
83
Profitability
50
Liquidity
96
Efficiency
83
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.
Wethersfield, CT · Charter 60457
NCUA · 8 branches
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 | 0.88% | 0.58% | 0.76% | 0.79% | 0.87% | 0.97% | 0.96% | 1.01% | +21 bps | |
| Return on Equity | 8.38% | 5.70% | 7.58% | 7.89% | 8.39% | 9.31% | 9.26% | 9.56% | +167 bps | |
| Net Interest Margin | 2.65% | 2.28% | 2.64% | 2.73% | 2.85% | 2.85% | 2.97% | 3.06% | +33 bps | |
| Efficiency Ratio | 72.25% | 79.41% | 75.26% | 73.13% | 72.36% | 71.01% | 74.00% | 71.99% | -114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.47% | 7.43% | 6.16% | 6.83% | 7.31% | 6.47% | 7.32% | 6.10% | -72 bps | |
| Loan Growth (YoY) | 4.39% | 3.25% | 2.28% | 5.88% | 11.74% | 13.23% | 15.07% | 20.21% | +1,433 bps | |
| Share Growth (YoY) | 5.21% | 6.95% | 5.69% | 6.44% | 7.07% | 6.39% | 7.02% | 5.55% | -89 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.14% | 0.14% | 0.40% | 0.33% | 0.17% | 0.16% | 0.12% | -28 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 | 10.51% | 10.09% | 10.07% | 10.07% | 10.38% | 10.45% | 10.38% | 10.55% | +48 bps | |
| Net Worth / Assets | 10.51% | 10.09% | 10.07% | 10.07% | 10.38% | 10.45% | 10.38% | 10.55% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.14% | 56.35% | 55.10% | 56.07% | 60.67% | 59.97% | 59.24% | 63.87% | +779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wethersfield, CT · Charter 60457 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 8 branches
Q2 2026
Return on Assets
1.01%
Rank 6 of 18
Net Interest Margin
3.06%
Rank 14 of 18
Efficiency Ratio
71.98%
Rank 4 of 18
Equity / Assets
10.55%
Rank 7 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.58% | 0.88% | 1.13% | Beats 67% | 6 / 18 | ||
| Return on Equity | 9.56% | 4.98% | 8.55% | 10.26% | Beats 61% | 7 / 18 | ||
| Net Interest Margin | 3.06% | 3.06% | 3.69% | 4.15% | Beats 22% | 14 / 18 | ||
| Efficiency Ratio | 71.98% | 72.94% | 75.86% | 86.25% | Beats 83% | 4 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.28% | 0.89% | 1.47% | Beats 83% | 4 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.55% | 9.40% | 10.43% | 11.60% | Beats 61% | 7 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.55% | 9.40% | 10.43% | 11.60% | Beats 61% | 7 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.87% | 41.55% | 63.87% | 69.63% | 50th pctl | 9 / 18 | ||
| Loans / Assets | 56.45% | 37.52% | 56.45% | 62.95% | 50th pctl | 9 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||