Shelton, CT · Charter 68479
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.31% | 0.38% | 0.27% | 0.30% | -9 bps | |
| Return on Equity | 4.41% | 3.39% | 4.20% | 3.14% | 3.47% | -94 bps | |
| Net Interest Margin | 3.46% | 3.54% | 3.53% | 3.51% | 3.54% | +8 bps | |
| Efficiency Ratio | 85.99% | 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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.98% | 9.08% | 9.14% | 8.74% | 8.68% | -29 bps | |
| Net Worth / Assets | 8.98% | 9.08% | 9.14% | 8.74% | 8.68% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.86% | 99.86% | 96.17% | 92.40% | 90.40% | -746 bps | |
| Liquid Assets / Assets | 99.66% | 0.00% | 100.02% | 98.69% | 99.86% | +20 bps | |