Rocky Hill, CT · Charter 68657
NCUA · 10 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 | 0.25% | 0.36% | 0.54% | 0.60% | 0.63% | 0.56% | 0.50% | 0.54% | -7 bps | |
| Return on Equity | 2.03% | 2.85% | 4.31% | 4.75% | 4.97% | 4.68% | 4.08% | 4.49% | -26 bps | |
| Net Interest Margin | 3.26% | 3.38% | 3.83% | 3.87% | 3.82% | 3.18% | 4.01% | 3.95% | +8 bps | |
| Efficiency Ratio | 86.91% | 83.97% | 80.29% | 81.10% | 81.63% | 80.87% | 84.30% | 82.74% | +164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.03% | 19.25% | 15.26% | -0.48% | 3.86% | 27.46% | 25.85% | 31.13% | +3,161 bps | |
| Loan Growth (YoY) | 23.60% | 24.17% | 21.37% | 11.93% | 10.84% | 23.98% | 21.95% | 27.63% | +1,571 bps | |
| Share Growth (YoY) | 22.12% | 20.92% | 17.86% | 1.16% | 3.21% | 27.32% | 27.29% | 27.34% | +2,617 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.51% | 0.39% | 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 | 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 | 12.50% | 12.48% | 12.48% | 12.73% | 12.59% | 12.03% | 12.20% | 11.93% | -80 bps | |
| Net Worth / Assets | 12.50% | 12.48% | 12.48% | 12.73% | 12.59% | 12.03% | 12.20% | 11.93% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.46% | 94.98% | 96.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |