PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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