PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Regional Water Authority Employees

New Haven, CT · Charter 66044

NCUA · 1 branch

Q2 2026

$5.7MAssets
$1.3MLoans
$4.9MShares
$714KNet 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 0.01%, unchanged from a year ago; NIM at 2.06%.
  • Asset quality: problem loans at 0.00% of loans (-27 bps YoY).
  • Capital: net worth / assets of 12.57%, up 38 bps from a year ago.
  • Funding: loans stand at 27.14% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.01%0 bps YoY

Net Interest Margin (quarter, annualized)

2.06%+21 bps YoY

Efficiency Ratio (quarter, annualized)

99.75%-3 bps YoY

Net Worth / Assets

12.57%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.00%0.00%0.01%0.01%0 bps
Return on Equity0.03%0.04%0.04%0.06%0.04%+1 bps
Net Interest Margin1.85%1.86%1.91%2.02%2.06%+21 bps
Efficiency Ratio99.78%99.75%99.75%99.64%99.75%-3 bps
Growth
Asset Growth (YoY)-6.42%-3.90%-5.65%-5.30%-2.95%+347 bps
Loan Growth (YoY)-6.03%-0.48%-0.91%1.01%-10.05%-402 bps
Share Growth (YoY)-7.52%-4.75%-6.75%-6.33%-3.72%+380 bps
Asset Quality
Delinquent Loans / Loans0.27%0.27%0.36%0.27%0.00%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.01%1.98%1.92%2.03%1.93%-8 bps
Capital
Risk-Based Capital12.19%12.25%12.47%12.45%12.57%+38 bps
Net Worth / Assets12.19%12.25%12.47%12.45%12.57%+38 bps
Liquidity & Funding
Loans / Shares29.06%29.72%31.20%29.54%27.14%-191 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps