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Sikorsky Financial

Stratford, CT · Charter 68453

NCUA · 11 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BShares
$187.8MNet Worth

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.

Return on Assets (quarter, annualized)

1.42%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.22%+10 bps YoY

Efficiency Ratio (quarter, annualized)

60.57%-405 bps YoY

Net Worth / Assets

12.93%+66 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.97%1.04%1.22%1.31%1.42%1.35%1.42%+20 bps
Return on Equity8.10%8.05%8.69%9.98%10.30%11.23%10.65%10.99%+102 bps
Net Interest Margin2.84%2.83%3.00%3.12%3.22%3.11%3.17%3.22%+10 bps
Efficiency Ratio70.51%70.30%68.19%64.62%63.56%62.12%61.58%60.57%-405 bps
Growth
Asset Growth (YoY)7.61%3.35%3.03%4.86%4.96%7.28%7.06%7.47%+261 bps
Loan Growth (YoY)7.38%6.56%6.65%7.99%10.06%8.08%7.46%5.92%-207 bps
Share Growth (YoY)10.32%6.32%5.56%4.30%4.21%6.37%6.35%6.76%+246 bps
Asset Quality
Delinquent Loans / Loans0.15%0.13%0.14%0.12%0.18%0.20%0.11%0.25%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.08%12.07%12.00%12.27%12.74%12.67%12.69%12.93%+66 bps
Net Worth / Assets12.08%12.07%12.00%12.27%12.74%12.67%12.69%12.93%+66 bps
Liquidity & Funding
Loans / Shares83.85%83.06%81.12%83.27%88.56%84.39%81.97%82.62%-65 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps