PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members

Stamford, CT · Charter 68487

NCUA · 2 branches

Q2 2026

$44.2MAssets
$37.4MLoans
$38.6MShares
$5.3MNet 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 0.56%, down 35 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 0.78% of loans (-72 bps YoY).
  • Capital: net worth / assets of 12.06%, up 106 bps from a year ago.
  • Funding: loans stand at 96.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%-35 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+11 bps YoY

Efficiency Ratio (YTD, annualized)

88.57%+994 bps YoY

Net Worth / Assets

12.06%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.87%0.79%0.40%0.56%-35 bps
Return on Equity8.29%7.22%6.58%3.38%4.65%-364 bps
Net Interest Margin4.70%5.09%4.98%4.76%4.81%+11 bps
Efficiency Ratio78.63%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 / Loans1.50%1.13%0.94%0.90%0.78%-72 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 Capital10.99%12.11%11.98%11.96%12.06%+106 bps
Net Worth / Assets10.99%12.11%11.98%11.96%12.06%+106 bps
Liquidity & Funding
Loans / Shares89.65%99.04%97.58%97.65%96.79%+714 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps