Stamford, CT · Charter 68487
NCUA · 2 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
53
Asset Quality
60
Profitability
49
Liquidity
0
Efficiency
33
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.
Stamford, CT · Charter 68487
NCUA · 2 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 | 0.91% | 0.87% | 0.79% | 0.40% | 0.56% | -35 bps | |
| Return on Equity | 8.29% | 7.22% | 6.58% | 3.38% | 4.65% | -364 bps | |
| Net Interest Margin | 4.70% | 5.09% | 4.98% | 4.76% | 4.81% | +11 bps | |
| Efficiency Ratio | 78.63% | 79.98% | 81.70% | 92.61% | 88.57% | +994 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.53% | -1.71% | 0.73% | -6.73% | -4.48% | -901 bps | |
| Loan Growth (YoY) | -4.34% | -5.02% | -3.44% | 1.77% | 2.01% | +635 bps | |
| Share Growth (YoY) | 4.19% | -2.67% | -0.46% | -8.11% | -5.51% | -971 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.50% | 1.13% | 0.94% | 0.90% | 0.78% | -72 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 | 10.99% | 12.11% | 11.98% | 11.96% | 12.06% | +106 bps | |
| Net Worth / Assets | 10.99% | 12.11% | 11.98% | 11.96% | 12.06% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.65% | 99.04% | 97.58% | 97.65% | 96.79% | +714 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Stamford, CT · Charter 68487 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)
NCUA · 2 branches
Q2 2026
Return on Assets
0.56%
Rank 10 of 15
Net Interest Margin
4.81%
Rank 3 of 15
Efficiency Ratio
88.56%
Rank 11 of 15
Equity / Assets
12.06%
Rank 7 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.27% | 0.70% | 1.49% | Beats 33% | 10 / 15 | |
| Return on Equity | 4.66% | 1.31% | 7.41% | 10.88% | Beats 33% | 10 / 15 | |
| Net Interest Margin | 4.81% | 3.12% | 3.54% | 4.54% | Beats 80% | 3 / 15 | |
| Efficiency Ratio | 88.56% | 72.95% | 80.00% | 90.09% | Beats 33% | 11 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.37% | 0.80% | 1.65% | Beats 60% | 7 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.06% | 8.68% | 11.88% | 17.06% | Beats 53% | 7 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.06% | 8.68% | 11.88% | 17.06% | Beats 53% | 7 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.79% | 19.00% | 41.54% | 81.34% | 93rd pctl | 1 / 15 | |
| Loans / Assets | 84.59% | 17.30% | 35.64% | 66.97% | 93rd pctl | 1 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||