Bethel, CT · Charter 68620
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.07% | 0.85% | 0.85% | 0.94% | 0.95% | 1.07% | 1.08% | +23 bps | |
| Return on Equity | 11.04% | 9.78% | 7.89% | 7.71% | 8.25% | 8.23% | 9.37% | 9.09% | +137 bps | |
| Net Interest Margin | 4.27% | 4.29% | 3.97% | 4.02% | 4.08% | 4.06% | 3.86% | 3.95% | -8 bps | |
| Efficiency Ratio | 74.78% | 76.88% | 77.95% | 78.40% | 76.79% | 76.74% | 76.99% | 76.95% | -145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.95% | -5.41% | -4.16% | -2.88% | 2.38% | 3.41% | 2.63% | 0.83% | +371 bps | |
| Loan Growth (YoY) | -3.04% | -7.85% | -9.27% | -9.44% | -6.21% | -1.98% | -0.24% | 1.34% | +1,078 bps | |
| Share Growth (YoY) | -6.83% | -5.49% | -4.04% | -4.03% | 1.66% | 2.74% | 1.66% | -0.10% | +393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 2.49% | 2.11% | 2.51% | 2.21% | 2.31% | 1.94% | 2.15% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.77% | 10.99% | 10.76% | 10.96% | 11.35% | 11.54% | 11.43% | 11.88% | +93 bps | |
| Net Worth / Assets | 10.77% | 10.99% | 10.76% | 10.96% | 11.35% | 11.54% | 11.43% | 11.88% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.23% | 66.97% | 62.09% | 61.11% | 62.95% | 63.90% | 60.93% | 61.99% | +88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |