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 | |