Hartford, CT · Charter 6498
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 Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
100
Profitability
78
Liquidity
22
Efficiency
100
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.
Hartford, CT · Charter 6498
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.04% | 1.15% | 1.63% | 1.64% | +70 bps | |
| Return on Equity | 8.68% | 9.57% | 10.24% | 14.39% | 14.18% | +550 bps | |
| Net Interest Margin | 2.87% | 2.97% | 3.15% | 3.59% | 3.69% | +82 bps | |
| Efficiency Ratio | 74.83% | 72.97% | 71.42% | 64.36% | 64.67% | -1,016 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.09% | 16.94% | 11.44% | 4.85% | 7.20% | -1,089 bps | |
| Loan Growth (YoY) | 11.70% | 20.15% | 17.80% | 14.37% | 12.34% | +64 bps | |
| Share Growth (YoY) | 19.42% | 17.87% | 11.38% | 3.87% | 6.33% | -1,309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.02% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.90% | 11.24% | 11.31% | 11.60% | +76 bps | |
| Net Worth / Assets | 10.84% | 10.90% | 11.24% | 11.31% | 11.60% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.95% | 73.01% | 75.35% | 73.23% | 72.85% | +390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hartford, CT · Charter 6498 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 1 branch
Q2 2026
Return on Assets
1.64%
Rank 1 of 18
Net Interest Margin
3.69%
Rank 9 of 18
Efficiency Ratio
64.60%
Rank 1 of 18
Equity / Assets
11.60%
Rank 5 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.64% | 0.58% | 0.88% | 1.13% | Beats 94% | 1 / 18 | |
| Return on Equity | 14.16% | 4.98% | 8.55% | 10.26% | Beats 89% | 2 / 18 | |
| Net Interest Margin | 3.69% | 3.06% | 3.69% | 4.15% | Beats 50% | 9 / 18 | |
| Efficiency Ratio | 64.60% | 72.94% | 75.86% | 86.25% | Beats 100% | 1 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.28% | 0.89% | 1.47% | Beats 100% | 1 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.60% | 9.40% | 10.43% | 11.60% | Beats 72% | 5 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.60% | 9.40% | 10.43% | 11.60% | Beats 72% | 5 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.85% | 41.55% | 63.87% | 69.63% | 83rd pctl | 3 / 18 | |
| Loans / Assets | 64.31% | 37.52% | 56.45% | 62.95% | 83rd pctl | 3 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||