Hartford, CT · Charter 65817
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
50
Asset Quality
17
Profitability
6
Liquidity
94
Efficiency
6
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 65817
NCUA · 1 branch
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 | 0.19% | -0.39% | 0.41% | 0.45% | 0.37% | 0.15% | 0.01% | 0.04% | -41 bps | |
| Return on Equity | 1.69% | -3.56% | 3.75% | 4.15% | 3.36% | 1.35% | 0.14% | 0.38% | -377 bps | |
| Net Interest Margin | 2.50% | 2.57% | 2.91% | 2.92% | 2.95% | 2.98% | 2.80% | 2.84% | -8 bps | |
| Efficiency Ratio | 93.61% | 92.83% | 86.37% | 85.42% | 87.93% | 91.72% | 98.48% | 97.70% | +1,228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | 0.78% | 1.11% | 3.95% | 4.76% | 3.53% | 4.64% | 2.17% | -178 bps | |
| Loan Growth (YoY) | 1.75% | 1.54% | 1.36% | -1.91% | -2.50% | -1.35% | -0.23% | 5.91% | +783 bps | |
| Share Growth (YoY) | 0.38% | 0.21% | 0.79% | 2.80% | 6.30% | 3.52% | 5.13% | 1.51% | -129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.83% | 0.81% | 0.80% | 1.77% | 1.86% | 2.11% | 2.19% | +139 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 | 11.03% | 11.00% | 11.01% | 10.72% | 10.87% | 10.77% | 10.57% | 10.43% | -28 bps | |
| Net Worth / Assets | 11.03% | 11.00% | 11.01% | 10.72% | 10.87% | 10.77% | 10.57% | 10.43% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.87% | 62.93% | 61.27% | 58.68% | 59.50% | 59.97% | 58.14% | 61.22% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hartford, CT · Charter 65817 · 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
0.04%
Rank 17 of 18
Net Interest Margin
2.84%
Rank 17 of 18
Efficiency Ratio
97.68%
Rank 18 of 18
Equity / Assets
10.43%
Rank 9 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.04% | 0.58% | 0.88% | 1.13% | Beats 6% | 17 / 18 | ||
| Return on Equity | 0.39% | 4.98% | 8.55% | 10.26% | Beats 6% | 17 / 18 | ||
| Net Interest Margin | 2.84% | 3.06% | 3.69% | 4.15% | Beats 6% | 17 / 18 | ||
| Efficiency Ratio | 97.68% | 72.94% | 75.86% | 86.25% | Beats 6% | 18 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.19% | 0.28% | 0.89% | 1.47% | Beats 17% | 16 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.43% | 9.40% | 10.43% | 11.60% | Beats 50% | 9 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.43% | 9.40% | 10.43% | 11.60% | Beats 50% | 9 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.22% | 41.55% | 63.87% | 69.63% | 39th pctl | 11 / 18 | ||
| Loans / Assets | 53.45% | 37.52% | 56.45% | 62.95% | 39th pctl | 11 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||