Rocky Hill, CT · Charter 68657
NCUA · 10 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
46
Profitability
44
Liquidity
0
Efficiency
36
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.
Rocky Hill, CT · Charter 68657
NCUA · 10 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 | 0.60% | 0.63% | 0.56% | 0.50% | 0.54% | -7 bps | |
| Return on Equity | 4.75% | 4.97% | 4.68% | 4.08% | 4.49% | -26 bps | |
| Net Interest Margin | 3.87% | 3.82% | 3.18% | 4.01% | 3.95% | +8 bps | |
| Efficiency Ratio | 81.10% | 81.63% | 80.87% | 84.30% | 82.74% | +164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.48% | 3.86% | 27.46% | 25.85% | 31.13% | +3,161 bps | |
| Loan Growth (YoY) | 11.93% | 10.84% | 23.98% | 21.95% | 27.63% | +1,571 bps | |
| Share Growth (YoY) | 1.16% | 3.21% | 27.32% | 27.29% | 27.34% | +2,617 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.83% | 0.89% | 0.71% | 0.75% | +3 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 | 12.73% | 12.59% | 12.03% | 12.20% | 11.93% | -80 bps | |
| Net Worth / Assets | 12.73% | 12.59% | 12.03% | 12.20% | 11.93% | -80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.30% | 100.36% | 92.48% | 92.33% | 97.53% | +23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rocky Hill, CT · Charter 68657 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.54%
Rank 1,087 of 1,683
Net Interest Margin
3.95%
Rank 707 of 1,683
Efficiency Ratio
82.75%
Rank 1,073 of 1,682
Equity / Assets
11.93%
Rank 1,005 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,087 / 1,683 | |
| Return on Equity | 4.49% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,022 / 1,681 | |
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 707 / 1,683 | |
| Efficiency Ratio | 82.75% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,073 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 46% | 915 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.93% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,005 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.93% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,005 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.53% | 52.61% | 69.38% | 83.50% | 95th pctl | 82 / 1,683 | |
| Loans / Assets | 80.86% | 44.71% | 59.18% | 70.72% | 93rd pctl | 120 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||