North Haven, CT · Charter 65809
NCUA · 3 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
15
Profitability
82
Liquidity
63
Efficiency
60
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.
North Haven, CT · Charter 65809
NCUA · 3 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 | 1.45% | 1.53% | 2.04% | 2.12% | 2.18% | 1.94% | 1.14% | 1.31% | -81 bps | |
| Return on Equity | 14.90% | 15.35% | 21.61% | 21.49% | 20.81% | 18.90% | 11.32% | 12.54% | -895 bps | |
| Net Interest Margin | 4.84% | 4.83% | 4.63% | 4.71% | 4.80% | 4.59% | 4.41% | 4.21% | -50 bps | |
| Efficiency Ratio | 68.33% | 67.49% | 65.86% | 61.11% | 61.57% | 63.46% | 76.15% | 75.10% | +1,400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 4.34% | 10.58% | 15.64% | 15.14% | 19.15% | 12.03% | 9.96% | -568 bps | |
| Loan Growth (YoY) | 11.47% | 10.71% | 8.36% | 9.22% | 8.39% | 6.06% | 18.43% | 14.63% | +541 bps | |
| Share Growth (YoY) | 2.87% | 3.50% | 9.54% | 15.59% | 14.49% | 18.85% | 12.15% | 9.07% | -652 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.32% | 0.38% | 0.91% | 1.14% | 1.06% | 0.34% | 1.92% | +101 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 | 9.74% | 9.97% | 9.43% | 9.88% | 10.45% | 10.28% | 10.06% | 10.48% | +59 bps | |
| Net Worth / Assets | 9.74% | 9.97% | 9.43% | 9.88% | 10.45% | 10.28% | 10.06% | 10.48% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.81% | 59.95% | 52.58% | 55.35% | 57.57% | 53.50% | 55.52% | 58.17% | +282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Haven, CT · Charter 65809 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.32%
Rank 335 of 1,683
Net Interest Margin
4.22%
Rank 494 of 1,683
Efficiency Ratio
75.06%
Rank 676 of 1,682
Equity / Assets
10.48%
Rank 1,256 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.35% | 0.74% | 1.18% | Beats 80% | 335 / 1,683 | ||
| Return on Equity | 12.56% | 2.67% | 5.89% | 8.74% | Beats 94% | 109 / 1,681 | ||
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 494 / 1,683 | ||
| Efficiency Ratio | 75.06% | 68.91% | 78.20% | 86.93% | Beats 60% | 676 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.92% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,436 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.48% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,256 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.48% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,256 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.17% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,139 / 1,683 | ||
| Loans / Assets | 51.80% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,060 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||