PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Eagle Financial

East Hartford, CT · Charter 68659

NCUA · 19 branches

Q2 2026

$2.8BAssets
$1.8BLoans
$2.4BShares
$274.6MNet 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 0.64%, down 6 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.57% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.93%, down 7 bps from a year ago.
  • Funding: loans stand at 74.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+8 bps YoY

Efficiency Ratio (YTD, annualized)

75.96%-208 bps YoY

Net Worth / Assets

9.93%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.68%0.56%0.55%0.64%-6 bps
Return on Equity6.97%6.62%5.55%5.67%6.44%-53 bps
Net Interest Margin2.98%3.12%3.03%2.96%3.06%+8 bps
Efficiency Ratio78.04%77.88%80.16%76.63%75.96%-208 bps
Growth
Asset Growth (YoY)-2.22%0.26%3.62%5.25%6.20%+842 bps
Loan Growth (YoY)8.20%15.32%17.33%12.29%10.74%+254 bps
Share Growth (YoY)-2.48%-0.20%3.32%5.30%6.02%+850 bps
Asset Quality
Delinquent Loans / Loans0.57%0.59%0.65%0.68%0.57%+1 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 Capital9.99%10.34%10.04%9.78%9.93%-7 bps
Net Worth / Assets9.99%10.34%10.04%9.78%9.93%-7 bps
Liquidity & Funding
Loans / Shares71.25%75.81%75.02%71.70%74.42%+317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps