PackageTrendsPeer
Letter portraitLegal landscape

Albright

Bethel, CT · Charter 68620

NCUA · 3 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

60

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

Albright

Bethel, CT · Charter 68620

NCUA · 3 branches

Q2 2026

$73.9MAssets
$40.3MLoans
$64.9MShares
$8.8MNet 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 1.08%, up 23 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 2.15% of loans (-36 bps YoY).
  • Capital: net worth / assets of 11.88%, up 93 bps from a year ago.
  • Funding: loans stand at 61.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.95%-8 bps YoY

Efficiency Ratio (YTD, annualized)

76.95%-145 bps YoY

Net Worth / Assets

11.88%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.94%0.95%1.07%1.08%+23 bps
Return on Equity7.71%8.25%8.23%9.37%9.09%+137 bps
Net Interest Margin4.02%4.08%4.06%3.86%3.95%-8 bps
Efficiency Ratio78.40%76.79%76.74%76.99%76.95%-145 bps
Growth
Asset Growth (YoY)-2.88%2.38%3.41%2.63%0.83%+371 bps
Loan Growth (YoY)-9.44%-6.21%-1.98%-0.24%1.34%+1,078 bps
Share Growth (YoY)-4.03%1.66%2.74%1.66%-0.10%+393 bps
Asset Quality
Delinquent Loans / Loans2.51%2.21%2.31%1.94%2.15%-36 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 Capital10.96%11.35%11.54%11.43%11.88%+93 bps
Net Worth / Assets10.96%11.35%11.54%11.43%11.88%+93 bps
Liquidity & Funding
Loans / Shares61.11%62.95%63.90%60.93%61.99%+88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 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

Albright

Bethel, CT · Charter 68620 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)

NCUA · 3 branches

Q2 2026

$73.9MAssets
$40.3MLoans
$64.9MShares
$8.8MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 60% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 6 of 15).
  • Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 15 of 15).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.08%

Rank 7 of 15

Net Interest Margin

3.95%

Rank 7 of 15

Efficiency Ratio

77.00%

Rank 7 of 15

Equity / Assets

11.88%

Rank 8 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.27%0.70%1.49%Beats 53%7 / 15
Return on Equity9.08%1.31%7.41%10.88%Beats 60%6 / 15
Net Interest Margin3.95%3.12%3.54%4.54%Beats 53%7 / 15
Efficiency Ratio77.00%72.95%80.00%90.09%Beats 60%7 / 15
Asset Quality
Nonperforming Loans / Loans2.15%0.37%0.80%1.65%Beats 7%15 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.88%8.68%11.88%17.06%Beats 47%8 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.88%8.68%11.88%17.06%Beats 47%8 / 15
Liquidity & Funding
Loans / Deposits61.99%19.00%41.54%81.34%60th pctl6 / 15
Loans / Assets54.44%17.30%35.64%66.97%60th pctl6 / 15
Brokered Deposits / Depositsn/aNot reported for this institution