PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Connecticut State Employees

Hartford, CT · Charter 65728

NCUA · 7 branches

Q2 2026

$2.7BAssets
$424.5MLoans
$2.5BShares
$235.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.69%, up 21 bps year over year; NIM at 1.12%.
  • Asset quality: problem loans at 0.21% of loans (+13 bps YoY).
  • Capital: net worth / assets of 8.66%, up 14 bps from a year ago.
  • Funding: loans stand at 17.12% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.69%+21 bps YoY

Net Interest Margin (quarter, annualized)

1.12%+19 bps YoY

Efficiency Ratio (quarter, annualized)

41.76%-1,020 bps YoY

Net Worth / Assets

8.66%+14 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.31%0.43%0.48%0.53%0.50%0.62%0.69%+21 bps
Return on Equity4.05%3.59%5.06%5.62%6.11%5.85%7.29%7.94%+231 bps
Net Interest Margin0.80%0.76%0.88%0.93%0.98%0.95%1.05%1.12%+19 bps
Efficiency Ratio59.54%62.51%54.72%51.97%49.69%50.39%44.48%41.76%-1,020 bps
Growth
Asset Growth (YoY)2.61%4.48%4.89%5.23%5.91%6.09%6.73%5.72%+49 bps
Loan Growth (YoY)3.04%1.61%0.76%-1.61%-4.06%-5.40%-5.12%-3.03%-142 bps
Share Growth (YoY)2.53%4.61%4.90%5.22%5.89%6.03%6.49%5.54%+33 bps
Asset Quality
Delinquent Loans / Loans0.12%0.08%0.04%0.08%0.13%0.17%0.10%0.21%+13 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 Capital8.67%8.55%8.50%8.52%8.63%8.56%8.51%8.66%+14 bps
Net Worth / Assets8.67%8.55%8.50%8.52%8.63%8.56%8.51%8.66%+14 bps
Liquidity & Funding
Loans / Shares20.23%19.80%19.01%18.64%18.33%17.67%16.93%17.12%-151 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps