Shelton, CT · Charter 68479
NCUA · 10 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 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.
Capital
20
Asset Quality
80
Profitability
34
Liquidity
0
Efficiency
40
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.
Shelton, CT · Charter 68479
NCUA · 10 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 | 0.34% | 0.36% | 0.41% | 0.40% | 0.31% | 0.38% | 0.27% | 0.30% | -9 bps | |
| Return on Equity | 3.83% | 3.96% | 4.53% | 4.41% | 3.39% | 4.20% | 3.14% | 3.47% | -94 bps | |
| Net Interest Margin | 3.20% | 3.21% | 3.45% | 3.46% | 3.54% | 3.53% | 3.51% | 3.54% | +8 bps | |
| Efficiency Ratio | 87.40% | 87.18% | 86.19% | 85.99% | 87.96% | 86.30% | 87.74% | 87.44% | +146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.68% | -0.70% | -1.13% | 1.26% | 1.40% | 2.13% | 6.52% | 6.53% | +527 bps | |
| Loan Growth (YoY) | -4.05% | -3.68% | -2.70% | -0.84% | 0.42% | -1.71% | 0.16% | -1.34% | -50 bps | |
| Share Growth (YoY) | 1.79% | 2.19% | -1.21% | 1.23% | 0.88% | 1.68% | 6.83% | 6.79% | +556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.28% | 0.43% | 0.38% | 0.44% | 0.44% | 0.44% | 0.37% | -1 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 | 8.95% | 9.03% | 9.03% | 8.98% | 9.08% | 9.14% | 8.74% | 8.68% | -29 bps | |
| Net Worth / Assets | 8.95% | 9.03% | 9.03% | 8.98% | 9.08% | 9.14% | 8.74% | 8.68% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.32% | 99.48% | 98.55% | 97.86% | 99.86% | 96.17% | 92.40% | 90.40% | -746 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.24% | 99.66% | 0.00% | 100.02% | 98.69% | 99.86% | +20 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.27% | 0.70% | 1.49% | Beats 27% | 11 / 15 | ||
| Return on Equity | 3.47% | 1.31% | 7.41% | 10.88% | Beats 27% | 11 / 15 | ||
| Net Interest Margin | 3.54% | 3.12% | 3.54% | 4.54% | Beats 47% | 8 / 15 | ||
| Efficiency Ratio | 87.44% | 72.95% | 80.00% | 90.09% | Beats 40% | 10 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.37% | 0.80% | 1.65% | Beats 80% | 4 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.68% | 8.68% | 11.88% | 17.06% | Beats 20% | 12 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.68% | 8.68% | 11.88% | 17.06% | Beats 20% | 12 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.40% | 19.00% | 41.54% | 81.34% | 87th pctl | 2 / 15 | ||
| Loans / Assets | 79.97% | 17.30% | 35.64% | 66.97% | 87th pctl | 2 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||