PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Metropolitan District Employees

Hartford, CT · Charter 65817

NCUA · 1 branch

Q2 2026

$34.7MAssets
$18.5MLoans
$30.3MShares
$3.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.04%, down 41 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 2.19% of loans (+139 bps YoY).
  • Capital: net worth / assets of 10.43%, down 28 bps from a year ago.
  • Funding: loans stand at 61.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.04%-41 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-8 bps YoY

Efficiency Ratio (YTD, annualized)

97.70%+1,228 bps YoY

Net Worth / Assets

10.43%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.37%0.15%0.01%0.04%-41 bps
Return on Equity4.15%3.36%1.35%0.14%0.38%-377 bps
Net Interest Margin2.92%2.95%2.98%2.80%2.84%-8 bps
Efficiency Ratio85.42%87.93%91.72%98.48%97.70%+1,228 bps
Growth
Asset Growth (YoY)3.95%4.76%3.53%4.64%2.17%-178 bps
Loan Growth (YoY)-1.91%-2.50%-1.35%-0.23%5.91%+783 bps
Share Growth (YoY)2.80%6.30%3.52%5.13%1.51%-129 bps
Asset Quality
Delinquent Loans / Loans0.80%1.77%1.86%2.11%2.19%+139 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.72%10.87%10.77%10.57%10.43%-28 bps
Net Worth / Assets10.72%10.87%10.77%10.57%10.43%-28 bps
Liquidity & Funding
Loans / Shares58.68%59.50%59.97%58.14%61.22%+254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps