Hartford, CT · Charter 6628
NCUA · 2 branches
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 Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
28
Profitability
89
Liquidity
99
Efficiency
78
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.
Hartford, CT · Charter 6628
NCUA · 2 branches
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 | 0.58% | 0.58% | 0.57% | 0.87% | 1.05% | 1.15% | 1.67% | 1.49% | +62 bps | |
| Return on Equity | 5.94% | 6.02% | 6.13% | 9.31% | 10.56% | 11.60% | 16.53% | 14.19% | +487 bps | |
| Net Interest Margin | 4.24% | 4.18% | 4.51% | 4.50% | 4.63% | 4.51% | 4.60% | 4.69% | +19 bps | |
| Efficiency Ratio | 84.43% | 83.90% | 84.86% | 81.10% | 78.24% | 75.06% | 70.81% | 72.96% | -814 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | 4.58% | 6.17% | 7.69% | 8.85% | 8.99% | 7.33% | 3.56% | -413 bps | |
| Loan Growth (YoY) | 0.65% | -2.06% | -4.60% | -4.52% | -3.41% | -2.26% | -0.62% | -3.90% | +62 bps | |
| Share Growth (YoY) | -3.89% | 4.38% | 6.79% | 7.29% | 8.37% | 9.70% | 5.86% | 2.73% | -456 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.81% | 0.43% | 0.77% | 1.23% | 0.41% | 0.77% | 1.47% | +70 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 | 9.82% | 9.58% | 9.35% | 9.38% | 9.92% | 9.90% | 10.08% | 10.52% | +114 bps | |
| Net Worth / Assets | 9.82% | 9.58% | 9.35% | 9.38% | 9.92% | 9.90% | 10.08% | 10.52% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.23% | 73.79% | 67.93% | 67.23% | 68.84% | 65.74% | 63.78% | 62.89% | -434 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hartford, CT · Charter 6628 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 2 branches
Q2 2026
Return on Assets
1.49%
Rank 2 of 18
Net Interest Margin
4.69%
Rank 3 of 18
Efficiency Ratio
72.94%
Rank 5 of 18
Equity / Assets
10.52%
Rank 8 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.58% | 0.88% | 1.13% | Beats 89% | 2 / 18 | ||
| Return on Equity | 14.20% | 4.98% | 8.55% | 10.26% | Beats 94% | 1 / 18 | ||
| Net Interest Margin | 4.69% | 3.06% | 3.69% | 4.15% | Beats 83% | 3 / 18 | ||
| Efficiency Ratio | 72.94% | 72.94% | 75.86% | 86.25% | Beats 78% | 5 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.47% | 0.28% | 0.89% | 1.47% | Beats 28% | 14 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.52% | 9.40% | 10.43% | 11.60% | Beats 56% | 8 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.52% | 9.40% | 10.43% | 11.60% | Beats 56% | 8 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.89% | 41.55% | 63.87% | 69.63% | 44th pctl | 10 / 18 | ||
| Loans / Assets | 56.02% | 37.52% | 56.45% | 62.95% | 44th pctl | 10 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||