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Letter portraitLegal landscapeQuarterYTD

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.98%1.54%1.55%1.60%1.53%1.35%1.24%-31 bps
Return on Equity11.29%12.19%18.80%17.91%17.30%16.07%14.26%12.88%-503 bps
Net Interest Margin3.50%3.60%4.04%4.21%4.34%4.33%4.11%4.14%-7 bps
Efficiency Ratio80.14%77.97%71.40%70.75%70.80%70.93%74.29%73.21%+247 bps
Growth
Asset Growth (YoY)-2.66%1.28%5.11%2.08%1.23%0.32%1.59%4.52%+244 bps
Loan Growth (YoY)-3.86%-3.55%-6.24%-11.46%-11.47%-13.19%-16.88%-16.11%-464 bps
Share Growth (YoY)-3.96%0.26%4.24%0.82%-0.19%-1.24%0.07%3.42%+260 bps
Asset Quality
Delinquent Loans / Loans0.07%0.27%0.00%0.29%0.19%1.34%0.34%0.80%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.82%8.01%8.19%8.68%9.25%9.52%9.49%9.63%+95 bps
Net Worth / Assets7.82%8.01%8.19%8.68%9.25%9.52%9.49%9.63%+95 bps
Liquidity & Funding
Loans / Shares49.53%48.60%46.59%43.69%43.93%42.72%38.70%35.44%-825 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps