Berlin, CT · Charter 61256
NCUA · 3 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
6
Asset Quality
11
Profitability
22
Liquidity
96
Efficiency
17
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.
Berlin, CT · Charter 61256
NCUA · 3 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 | -0.09% | 0.09% | -0.04% | 0.14% | 0.23% | 0.29% | -0.45% | -0.85% | -99 bps | |
| Return on Equity | -1.13% | 1.04% | -0.52% | 1.71% | 2.80% | 3.42% | -5.21% | -10.17% | -1,188 bps | |
| Net Interest Margin | 3.49% | 3.56% | 3.62% | 3.79% | 3.82% | 3.83% | 3.91% | 4.07% | +28 bps | |
| Efficiency Ratio | 89.99% | 87.26% | 90.84% | 88.00% | 87.58% | 87.33% | 88.81% | 90.51% | +251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.12% | -5.42% | -0.40% | -0.32% | -0.17% | 0.91% | -4.52% | -5.05% | -473 bps | |
| Loan Growth (YoY) | -8.84% | -9.22% | -8.71% | -10.10% | -10.62% | -8.87% | -9.26% | -9.26% | +84 bps | |
| Share Growth (YoY) | -5.95% | -2.37% | -0.44% | -0.06% | 3.80% | 3.44% | 0.08% | 0.17% | +23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 2.49% | 2.44% | 2.18% | 2.58% | 2.48% | 2.83% | 2.30% | +12 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 | 8.09% | 8.35% | 8.16% | 8.27% | 8.31% | 8.43% | 8.61% | 8.37% | +11 bps | |
| Net Worth / Assets | 8.09% | 8.35% | 8.16% | 8.27% | 8.31% | 8.43% | 8.61% | 8.37% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.96% | 76.29% | 71.82% | 70.52% | 69.71% | 67.21% | 65.12% | 63.87% | -664 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Berlin, CT · Charter 61256 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.85%
Rank 18 of 18
Net Interest Margin
4.07%
Rank 6 of 18
Efficiency Ratio
90.51%
Rank 16 of 18
Equity / Assets
8.37%
Rank 17 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.85% | 0.58% | 0.88% | 1.13% | Beats 0% | 18 / 18 | ||
| Return on Equity | -10.18% | 4.98% | 8.55% | 10.26% | Beats 0% | 18 / 18 | ||
| Net Interest Margin | 4.07% | 3.06% | 3.69% | 4.15% | Beats 67% | 6 / 18 | ||
| Efficiency Ratio | 90.51% | 72.94% | 75.86% | 86.25% | Beats 17% | 16 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.30% | 0.28% | 0.89% | 1.47% | Beats 11% | 17 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.38% | 9.40% | 10.43% | 11.60% | Beats 6% | 17 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.37% | 9.40% | 10.43% | 11.60% | Beats 6% | 17 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.87% | 41.55% | 63.87% | 69.63% | 56th pctl | 8 / 18 | ||
| Loans / Assets | 58.56% | 37.52% | 56.45% | 62.95% | 56th pctl | 8 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||