PackageTrendsPeer
Letter portraitLegal landscape

Trumbull

Trumbull, CT · Charter 61838

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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

20

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

Trumbull

Trumbull, CT · Charter 61838

NCUA · 1 branch

Q2 2026

$3.1MAssets
$1.1MLoans
$2.7MShares
$427KNet 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 0.15%, down 301 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.51% of loans (+51 bps YoY).
  • Capital: net worth / assets of 13.65%, up 120 bps from a year ago.
  • Funding: loans stand at 41.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.15%-301 bps YoY

Net Interest Margin (YTD, annualized)

3.14%-705 bps YoY

Efficiency Ratio (YTD, annualized)

94.19%+2,520 bps YoY

Net Worth / Assets

13.65%+120 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.16%1.30%1.08%0.76%0.15%-301 bps
Return on Equity25.37%9.56%7.57%5.34%1.10%-2,427 bps
Net Interest Margin10.19%3.73%3.63%3.23%3.14%-705 bps
Efficiency Ratio68.99%65.21%70.76%76.54%94.19%+2,520 bps
Growth
Asset Growth (YoY)-1.06%-5.94%-7.55%-6.68%-5.10%-404 bps
Loan Growth (YoY)-14.20%-13.08%-16.44%-18.71%-15.65%-145 bps
Share Growth (YoY)-2.33%-7.80%-9.74%-8.64%-6.88%-456 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.24%0.51%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%0.76%0.83%0.90%0.70%-6 bps
Capital
Risk-Based Capital12.45%13.57%14.22%14.18%13.65%+120 bps
Net Worth / Assets12.45%13.57%14.22%14.18%13.65%+120 bps
Liquidity & Funding
Loans / Shares45.86%48.88%46.79%42.83%41.54%-432 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

Trumbull

Trumbull, CT · Charter 61838 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)

NCUA · 1 branch

Q2 2026

$3.1MAssets
$1.1MLoans
$2.7MShares
$427KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 5 of 15).
  • Widest gap: return on equity trails 87% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 13 of 15).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.13%

Rank 13 of 15

Net Interest Margin

3.13%

Rank 11 of 15

Efficiency Ratio

93.88%

Rank 13 of 15

Equity / Assets

13.66%

Rank 5 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.13%0.27%0.70%1.49%Beats 13%13 / 15
Return on Equity0.94%1.31%7.41%10.88%Beats 13%13 / 15
Net Interest Margin3.13%3.12%3.54%4.54%Beats 27%11 / 15
Efficiency Ratio93.88%72.95%80.00%90.09%Beats 20%13 / 15
Asset Quality
Nonperforming Loans / Loans0.54%0.37%0.80%1.65%Beats 73%5 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.66%8.68%11.88%17.06%Beats 67%5 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.66%8.68%11.88%17.06%Beats 67%5 / 15
Liquidity & Funding
Loans / Deposits41.54%19.00%41.54%81.34%47th pctl8 / 15
Loans / Assets35.64%17.30%35.64%66.97%47th pctl8 / 15
Brokered Deposits / Depositsn/aNot reported for this institution