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Sikorsky Financial

Stratford, CT · Charter 68453

NCUA · 11 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BShares
$187.8MNet 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 1.42%, up 20 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.25% of loans (+13 bps YoY).
  • Capital: net worth / assets of 12.93%, up 66 bps from a year ago.
  • Funding: loans stand at 82.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+10 bps YoY

Efficiency Ratio (YTD, annualized)

60.57%-405 bps YoY

Net Worth / Assets

12.93%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.31%1.42%1.35%1.42%+20 bps
Return on Equity9.98%10.30%11.23%10.65%10.99%+102 bps
Net Interest Margin3.12%3.22%3.11%3.17%3.22%+10 bps
Efficiency Ratio64.62%63.56%62.12%61.58%60.57%-405 bps
Growth
Asset Growth (YoY)4.86%4.96%7.28%7.06%7.47%+261 bps
Loan Growth (YoY)7.99%10.06%8.08%7.46%5.92%-207 bps
Share Growth (YoY)4.30%4.21%6.37%6.35%6.76%+246 bps
Asset Quality
Delinquent Loans / Loans0.12%0.18%0.20%0.11%0.25%+13 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 Capital12.27%12.74%12.67%12.69%12.93%+66 bps
Net Worth / Assets12.27%12.74%12.67%12.69%12.93%+66 bps
Liquidity & Funding
Loans / Shares83.27%88.56%84.39%81.97%82.62%-65 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps