PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hartford Municipal Employees

Hartford, CT · Charter 6733

NCUA · 2 branches

Q3 2025

$33.4MAssets
$24.1MLoans
$32.2MShares
$1.3MNet 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 -2.80%, down 248 bps year over year; NIM at 5.80%.
  • Asset quality: problem loans at 2.86% of loans (+66 bps YoY).
  • Capital: net worth / assets of 3.77%, down 387 bps from a year ago.
  • Funding: loans stand at 74.91% of shares as of Q3 2025.

Financial Results

Return on Assets (quarter, annualized)

-2.80%-248 bps YoY

Net Interest Margin (quarter, annualized)

5.80%+98 bps YoY

Efficiency Ratio (quarter, annualized)

134.48%+3,003 bps YoY

Net Worth / Assets

3.77%-387 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-0.32%-2.19%-2.81%-3.15%-2.80%-248 bps
Return on Equity-4.16%-35.81%-52.28%-84.28%-74.34%-7,018 bps
Net Interest Margin4.83%4.92%4.97%5.23%5.80%+98 bps
Efficiency Ratio104.45%110.65%133.87%135.61%134.48%+3,003 bps
Growth
Asset Growth (YoY)-2.75%-1.31%-7.94%-8.33%-14.33%-1,159 bps
Loan Growth (YoY)-6.68%-12.91%-13.71%-12.90%-7.00%-32 bps
Share Growth (YoY)-2.04%0.18%-6.52%-5.52%-11.35%-931 bps
Asset Quality
Delinquent Loans / Loans2.20%2.41%2.43%2.59%2.86%+66 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 Capital7.64%6.12%5.37%3.74%3.77%-387 bps
Net Worth / Assets7.64%6.12%5.37%3.74%3.77%-387 bps
Liquidity & Funding
Loans / Shares71.41%67.73%64.86%66.09%74.91%+350 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps