Norwalk, CT · Charter 65954
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 | -0.83% | -0.75% | -0.52% | -0.37% | -0.09% | -0.09% | -0.26% | -0.07% | +31 bps | |
| Return on Equity | -9.12% | -8.60% | -6.02% | -4.27% | -0.99% | -0.93% | -2.95% | -0.73% | +353 bps | |
| Net Interest Margin | 0.98% | 1.04% | 1.21% | 1.30% | 1.46% | 1.56% | 1.71% | 1.82% | +52 bps | |
| Efficiency Ratio | 154.45% | 152.01% | 120.99% | 111.34% | 98.55% | 98.21% | 107.74% | 99.48% | -1,186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.84% | -6.82% | -7.06% | -5.69% | -1.68% | -4.51% | -2.96% | -1.38% | +431 bps | |
| Loan Growth (YoY) | -12.86% | -18.83% | -19.85% | -18.89% | -15.83% | -14.13% | -18.70% | -16.70% | +219 bps | |
| Share Growth (YoY) | -11.08% | -6.72% | -6.97% | -5.64% | -1.62% | -4.83% | -3.26% | -1.57% | +406 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.69% | 2.18% | 0.30% | 4.33% | 2.49% | 2.13% | 1.89% | 1.69% | -264 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 | 9.11% | 8.77% | 8.69% | 8.70% | 9.05% | 9.10% | 8.94% | 8.90% | +19 bps | |
| Net Worth / Assets | 9.11% | 8.77% | 8.69% | 8.70% | 9.05% | 9.10% | 8.94% | 8.90% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.36% | 23.34% | 23.29% | 22.45% | 22.55% | 21.06% | 19.58% | 19.00% | -345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |