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Kief Protective Mutual Benefit Ass.

Bloomfield, CT · Charter 61265

NCUA · 1 branch

Q2 2026

$605KAssets
$216KLoans
$469KShares
$134KNet 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 -1.14%, down 34 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 22.21%, up 181 bps from a year ago.
  • Funding: loans stand at 46.02% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.14%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.95%-19 bps YoY

Efficiency Ratio (quarter, annualized)

128.97%+958 bps YoY

Net Worth / Assets

22.21%+181 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.80%-0.68%-0.66%-1.24%-1.14%-34 bps
Return on Equity-3.94%-3.38%-3.36%-5.47%-5.16%-121 bps
Net Interest Margin4.15%4.12%4.08%4.21%3.95%-19 bps
Efficiency Ratio119.39%116.61%116.27%129.31%128.97%+958 bps
Growth
Asset Growth (YoY)-17.26%-7.28%3.52%-11.37%-11.67%+560 bps
Loan Growth (YoY)-7.18%-6.80%-3.79%-15.29%-39.57%-3,239 bps
Share Growth (YoY)-20.45%-8.28%5.26%-13.34%-13.66%+679 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.49%2.82%2.82%3.43%4.13%+163 bps
Capital
Risk-Based Capital20.40%20.28%19.77%22.56%22.21%+181 bps
Net Worth / Assets20.40%20.28%19.77%22.56%22.21%+181 bps
Liquidity & Funding
Loans / Shares65.75%57.98%56.67%55.77%46.02%-1,973 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps