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Mutual Security

Shelton, CT · Charter 68479

NCUA · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

40

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mutual Security

Shelton, CT · Charter 68479

NCUA · 10 branches

Q2 2026

$385.4MAssets
$308.2MLoans
$341.0MShares
$33.5MNet 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 0.30%, down 9 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.37% of loans (-1 bps YoY).
  • Capital: net worth / assets of 8.68%, down 29 bps from a year ago.
  • Funding: loans stand at 90.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+8 bps YoY

Efficiency Ratio (YTD, annualized)

87.44%+146 bps YoY

Net Worth / Assets

8.68%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.31%0.38%0.27%0.30%-9 bps
Return on Equity4.41%3.39%4.20%3.14%3.47%-94 bps
Net Interest Margin3.46%3.54%3.53%3.51%3.54%+8 bps
Efficiency Ratio85.99%87.96%86.30%87.74%87.44%+146 bps
Growth
Asset Growth (YoY)1.26%1.40%2.13%6.52%6.53%+527 bps
Loan Growth (YoY)-0.84%0.42%-1.71%0.16%-1.34%-50 bps
Share Growth (YoY)1.23%0.88%1.68%6.83%6.79%+556 bps
Asset Quality
Delinquent Loans / Loans0.38%0.44%0.44%0.44%0.37%-1 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 Capital8.98%9.08%9.14%8.74%8.68%-29 bps
Net Worth / Assets8.98%9.08%9.14%8.74%8.68%-29 bps
Liquidity & Funding
Loans / Shares97.86%99.86%96.17%92.40%90.40%-746 bps
Liquid Assets / Assets99.66%0.00%100.02%98.69%99.86%+20 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mutual Security

Shelton, CT · Charter 68479 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)

NCUA · 10 branches

Q2 2026

$385.4MAssets
$308.2MLoans
$341.0MShares
$33.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 4 of 15).
  • Widest gap: equity / assets trails 80% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 12 of 15).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.30%

Rank 11 of 15

Net Interest Margin

3.54%

Rank 8 of 15

Efficiency Ratio

87.44%

Rank 10 of 15

Equity / Assets

8.68%

Rank 12 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.27%0.70%1.49%Beats 27%11 / 15
Return on Equity3.47%1.31%7.41%10.88%Beats 27%11 / 15
Net Interest Margin3.54%3.12%3.54%4.54%Beats 47%8 / 15
Efficiency Ratio87.44%72.95%80.00%90.09%Beats 40%10 / 15
Asset Quality
Nonperforming Loans / Loans0.37%0.37%0.80%1.65%Beats 80%4 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.68%8.68%11.88%17.06%Beats 20%12 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.68%8.68%11.88%17.06%Beats 20%12 / 15
Liquidity & Funding
Loans / Deposits90.40%19.00%41.54%81.34%87th pctl2 / 15
Loans / Assets79.97%17.30%35.64%66.97%87th pctl2 / 15
Brokered Deposits / Depositsn/aNot reported for this institution