Bloomfield, CT · Charter 61265
NCUA · 1 branch
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 Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
100
Profitability
27
Liquidity
62
Efficiency
3
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.
Bloomfield, CT · Charter 61265
NCUA · 1 branch
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 | -2.43% | -2.22% | -1.28% | -0.80% | -0.68% | -0.66% | -1.24% | -1.14% | -34 bps | |
| Return on Equity | -12.49% | -10.51% | -6.21% | -3.94% | -3.38% | -3.36% | -5.47% | -5.16% | -121 bps | |
| Net Interest Margin | 4.63% | 4.83% | 4.09% | 4.15% | 4.12% | 4.08% | 4.21% | 3.95% | -19 bps | |
| Efficiency Ratio | 89.63% | 96.35% | 131.33% | 119.39% | 116.61% | 116.27% | 129.31% | 128.97% | +958 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -28.00% | -34.30% | -29.10% | -17.26% | -7.28% | 3.52% | -11.37% | -11.67% | +560 bps | |
| Loan Growth (YoY) | -6.78% | -19.66% | -24.53% | -7.18% | -6.80% | -3.79% | -15.29% | -39.57% | -3,239 bps | |
| Share Growth (YoY) | -31.37% | -38.87% | -32.82% | -20.45% | -8.28% | 5.26% | -13.34% | -13.66% | +679 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.63% | 2.71% | 2.91% | 2.49% | 2.82% | 2.82% | 3.43% | 4.13% | +163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.48% | 21.15% | 20.63% | 20.40% | 20.28% | 19.77% | 22.56% | 22.21% | +181 bps | |
| Net Worth / Assets | 19.48% | 21.15% | 20.63% | 20.40% | 20.28% | 19.77% | 22.56% | 22.21% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.06% | 62.00% | 57.06% | 65.75% | 57.98% | 56.67% | 55.77% | 46.02% | -1,973 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomfield, CT · Charter 61265 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.99%
Rank 57 of 60
Net Interest Margin
3.97%
Rank 17 of 60
Efficiency Ratio
125.00%
Rank 59 of 60
Equity / Assets
22.15%
Rank 9 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.99% | 0.35% | 0.84% | 1.37% | Beats 5% | 57 / 60 | ||
| Return on Equity | -4.48% | 2.76% | 6.36% | 10.04% | Beats 5% | 57 / 60 | ||
| Net Interest Margin | 3.97% | 3.02% | 3.63% | 4.05% | Beats 72% | 17 / 60 | ||
| Efficiency Ratio | 125.00% | 67.68% | 77.48% | 89.33% | Beats 3% | 59 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.64% | 1.44% | Beats 100% | 3 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.15% | 10.72% | 13.16% | 17.68% | Beats 85% | 9 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.15% | 10.72% | 13.16% | 17.68% | Beats 85% | 9 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.06% | 43.79% | 55.03% | 72.55% | 30th pctl | 42 / 60 | ||
| Loans / Assets | 35.70% | 36.50% | 47.22% | 58.67% | 20th pctl | 48 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||