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Norwalk Hospital

Norwalk, CT · Charter 65954

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Norwalk Hospital

Norwalk, CT · Charter 65954

NCUA · 1 branch

Q2 2026

$33.0MAssets
$5.7MLoans
$30.0MShares
$2.9MNet 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 -0.07%, up 31 bps year over year; NIM at 1.82%.
  • Asset quality: problem loans at 1.69% of loans (-264 bps YoY).
  • Capital: net worth / assets of 8.90%, up 19 bps from a year ago.
  • Funding: loans stand at 19.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.07%+31 bps YoY

Net Interest Margin (YTD, annualized)

1.82%+52 bps YoY

Efficiency Ratio (YTD, annualized)

99.48%-1,186 bps YoY

Net Worth / Assets

8.90%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.37%-0.09%-0.09%-0.26%-0.07%+31 bps
Return on Equity-4.27%-0.99%-0.93%-2.95%-0.73%+353 bps
Net Interest Margin1.30%1.46%1.56%1.71%1.82%+52 bps
Efficiency Ratio111.34%98.55%98.21%107.74%99.48%-1,186 bps
Growth
Asset Growth (YoY)-5.69%-1.68%-4.51%-2.96%-1.38%+431 bps
Loan Growth (YoY)-18.89%-15.83%-14.13%-18.70%-16.70%+219 bps
Share Growth (YoY)-5.64%-1.62%-4.83%-3.26%-1.57%+406 bps
Asset Quality
Delinquent Loans / Loans4.33%2.49%2.13%1.89%1.69%-264 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 Capital8.70%9.05%9.10%8.94%8.90%+19 bps
Net Worth / Assets8.70%9.05%9.10%8.94%8.90%+19 bps
Liquidity & Funding
Loans / Shares22.45%22.55%21.06%19.58%19.00%-345 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Norwalk Hospital

Norwalk, CT · Charter 65954 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)

NCUA · 1 branch

Q2 2026

$33.0MAssets
$5.7MLoans
$30.0MShares
$2.9MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 27% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 11 of 15).
  • Widest gap: net interest margin trails 93% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 14 of 15).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

-0.07%

Rank 14 of 15

Net Interest Margin

1.82%

Rank 14 of 15

Efficiency Ratio

99.44%

Rank 14 of 15

Equity / Assets

8.90%

Rank 11 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.07%0.27%0.70%1.49%Beats 7%14 / 15
Return on Equity-0.75%1.31%7.41%10.88%Beats 7%14 / 15
Net Interest Margin1.82%3.12%3.54%4.54%Beats 7%14 / 15
Efficiency Ratio99.44%72.95%80.00%90.09%Beats 13%14 / 15
Asset Quality
Nonperforming Loans / Loans1.68%0.37%0.80%1.65%Beats 20%13 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.90%8.68%11.88%17.06%Beats 27%11 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.90%8.68%11.88%17.06%Beats 27%11 / 15
Liquidity & Funding
Loans / Deposits19.00%19.00%41.54%81.34%20th pctl12 / 15
Loans / Assets17.30%17.30%35.64%66.97%20th pctl12 / 15
Brokered Deposits / Depositsn/aNot reported for this institution