Berlin, CT · Charter 61256
NCUA · 3 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 | 0.14% | 0.23% | 0.29% | -0.45% | -0.85% | -99 bps | |
| Return on Equity | 1.71% | 2.80% | 3.42% | -5.21% | -10.17% | -1,188 bps | |
| Net Interest Margin | 3.79% | 3.82% | 3.83% | 3.91% | 4.07% | +28 bps | |
| Efficiency Ratio | 88.00% | 87.58% | 87.33% | 88.81% | 90.51% | +251 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.32% | -0.17% | 0.91% | -4.52% | -5.05% | -473 bps | |
| Loan Growth (YoY) | -10.10% | -10.62% | -8.87% | -9.26% | -9.26% | +84 bps | |
| Share Growth (YoY) | -0.06% | 3.80% | 3.44% | 0.08% | 0.17% | +23 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.27% | 8.31% | 8.43% | 8.61% | 8.37% | +11 bps | |
| Net Worth / Assets | 8.27% | 8.31% | 8.43% | 8.61% | 8.37% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |