Torrington, CT · Charter 65803
NCUA · 2 branches
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 | 1.29% | 1.22% | 1.10% | 1.37% | 1.44% | 1.42% | 1.25% | 1.30% | -7 bps | |
| Return on Equity | 13.57% | 12.94% | 12.19% | 14.88% | 15.46% | 15.36% | 13.47% | 14.00% | -88 bps | |
| Net Interest Margin | 4.23% | 4.11% | 3.96% | 4.06% | 4.00% | 3.87% | 4.00% | 3.96% | -10 bps | |
| Efficiency Ratio | 68.39% | 68.10% | 71.47% | 66.57% | 65.40% | 65.14% | 76.75% | 72.98% | +641 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.98% | 12.43% | 19.57% | 18.17% | 19.39% | 20.35% | 14.87% | 16.77% | -140 bps | |
| Loan Growth (YoY) | 12.30% | 14.36% | 17.99% | 20.89% | 25.22% | 22.00% | 27.82% | 30.08% | +919 bps | |
| Share Growth (YoY) | 5.05% | 12.14% | 20.30% | 18.42% | 19.66% | 20.56% | 12.58% | 16.37% | -205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.71% | 0.63% | 0.69% | 0.63% | 0.21% | 0.10% | 0.26% | -43 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.52% | 9.40% | 9.00% | 9.22% | 9.31% | 9.23% | 9.29% | 9.29% | +7 bps | |
| Net Worth / Assets | 9.52% | 9.40% | 9.00% | 9.22% | 9.31% | 9.23% | 9.29% | 9.29% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.71% | 51.67% | 49.06% | 51.04% | 54.12% | 52.29% | 55.69% | 57.05% | +601 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |