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Community CU of New Milford, Inc.

New Milford, CT · Charter 61261

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community CU of New Milford, Inc.

New Milford, CT · Charter 61261

NCUA · 1 branch

Q2 2026

$16.3MAssets
$5.2MLoans
$14.7MShares
$1.6MNet 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 1.24%, down 31 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.80% of loans (+52 bps YoY).
  • Capital: net worth / assets of 9.63%, up 95 bps from a year ago.
  • Funding: loans stand at 35.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.14%-7 bps YoY

Efficiency Ratio (YTD, annualized)

73.21%+247 bps YoY

Net Worth / Assets

9.63%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.60%1.53%1.35%1.24%-31 bps
Return on Equity17.91%17.30%16.07%14.26%12.88%-503 bps
Net Interest Margin4.21%4.34%4.33%4.11%4.14%-7 bps
Efficiency Ratio70.75%70.80%70.93%74.29%73.21%+247 bps
Growth
Asset Growth (YoY)2.08%1.23%0.32%1.59%4.52%+244 bps
Loan Growth (YoY)-11.46%-11.47%-13.19%-16.88%-16.11%-464 bps
Share Growth (YoY)0.82%-0.19%-1.24%0.07%3.42%+260 bps
Asset Quality
Delinquent Loans / Loans0.29%0.19%1.34%0.34%0.80%+52 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 Capital8.68%9.25%9.52%9.49%9.63%+95 bps
Net Worth / Assets8.68%9.25%9.52%9.49%9.63%+95 bps
Liquidity & Funding
Loans / Shares43.69%43.93%42.72%38.70%35.44%-825 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community CU of New Milford, Inc.

New Milford, CT · Charter 61261 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)

NCUA · 1 branch

Q2 2026

$16.3MAssets
$5.2MLoans
$14.7MShares
$1.6MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 2 of 15).
  • Widest gap: equity / assets trails 67% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 10 of 15).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.24%

Rank 5 of 15

Net Interest Margin

4.15%

Rank 6 of 15

Efficiency Ratio

72.95%

Rank 4 of 15

Equity / Assets

9.62%

Rank 10 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.27%0.70%1.49%Beats 67%5 / 15
Return on Equity12.89%1.31%7.41%10.88%Beats 87%2 / 15
Net Interest Margin4.15%3.12%3.54%4.54%Beats 60%6 / 15
Efficiency Ratio72.95%72.95%80.00%90.09%Beats 80%4 / 15
Asset Quality
Nonperforming Loans / Loans0.80%0.37%0.80%1.65%Beats 53%8 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.62%8.68%11.88%17.06%Beats 33%10 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.62%8.68%11.88%17.06%Beats 33%10 / 15
Liquidity & Funding
Loans / Deposits35.44%19.00%41.54%81.34%33rd pctl10 / 15
Loans / Assets32.10%17.30%35.64%66.97%33rd pctl10 / 15
Brokered Deposits / Depositsn/aNot reported for this institution