New Haven, CT · Charter 65862
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 Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
100
Profitability
58
Liquidity
51
Efficiency
21
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.
New Haven, CT · Charter 65862
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | -0.17% | -0.04% | 1.21% | 0.68% | +83 bps | |
| Return on Equity | -0.59% | -0.65% | -0.16% | 4.61% | 2.59% | +318 bps | |
| Net Interest Margin | 4.08% | 4.16% | 4.24% | 5.33% | 4.73% | +65 bps | |
| Efficiency Ratio | 103.69% | 104.01% | 100.96% | 79.04% | 86.04% | -1,765 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.84% | 0.43% | 1.14% | 2.60% | 1.06% | +390 bps | |
| Loan Growth (YoY) | -3.58% | -6.22% | -7.34% | -4.70% | -1.51% | +206 bps | |
| Share Growth (YoY) | -6.42% | -0.98% | -0.29% | 2.07% | 0.22% | +664 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 0.50% | 0.83% | 0.00% | 0.00% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.53% | 0.54% | 0.55% | 0.54% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.17% | 26.17% | 26.10% | 26.17% | 26.26% | +9 bps | |
| Net Worth / Assets | 26.17% | 26.17% | 26.10% | 26.17% | 26.26% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.48% | 48.27% | 47.29% | 46.10% | 46.66% | -82 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Haven, CT · Charter 65862 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
0.67%
Rank 12 of 24
Net Interest Margin
4.72%
Rank 2 of 24
Efficiency Ratio
86.11%
Rank 20 of 24
Equity / Assets
26.26%
Rank 4 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.41% | 0.67% | 1.12% | Beats 50% | 12 / 24 | |
| Return on Equity | 2.57% | 2.16% | 5.02% | 6.69% | Beats 33% | 16 / 24 | |
| Net Interest Margin | 4.72% | 3.10% | 3.61% | 4.01% | Beats 92% | 2 / 24 | |
| Efficiency Ratio | 86.11% | 71.14% | 80.00% | 84.92% | Beats 21% | 20 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.54% | 1.38% | Beats 100% | 3 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.26% | 10.05% | 16.75% | 21.42% | Beats 83% | 4 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.26% | 10.05% | 16.75% | 21.42% | Beats 83% | 4 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.65% | 42.86% | 62.34% | 82.18% | 30th pctl | 16 / 23 | |
| Loans / Assets | 34.63% | 32.11% | 55.16% | 70.89% | 29th pctl | 17 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||