East Hartford, CT · Charter 68662
NCUA · 4 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 in the Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
61
Profitability
48
Liquidity
0
Efficiency
22
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.
East Hartford, CT · Charter 68662
NCUA · 4 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 | -0.75% | -0.34% | -0.21% | -0.20% | -0.69% | -0.81% | 0.32% | 0.76% | +96 bps | |
| Return on Equity | -8.16% | -3.61% | -2.34% | -2.24% | -7.76% | -9.34% | 3.71% | 8.54% | +1,078 bps | |
| Net Interest Margin | 3.72% | 3.76% | 3.59% | 3.83% | 3.95% | 4.01% | 4.01% | 4.02% | +19 bps | |
| Efficiency Ratio | 93.13% | 88.53% | 93.16% | 92.81% | 92.59% | 92.28% | 93.31% | 89.46% | -335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.53% | -5.91% | -2.93% | -8.52% | -5.91% | -5.63% | -7.17% | -3.45% | +507 bps | |
| Loan Growth (YoY) | -10.35% | -12.65% | -10.89% | -9.18% | -11.56% | -7.15% | -4.95% | -2.88% | +630 bps | |
| Share Growth (YoY) | -5.02% | -1.96% | -0.09% | -5.58% | -3.54% | -2.35% | -6.22% | -4.17% | +141 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 2.19% | 2.00% | 2.05% | 2.27% | 1.73% | 1.31% | 0.73% | -132 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 | 9.14% | 9.45% | 9.09% | 9.02% | 8.92% | 8.69% | 8.61% | 8.93% | -9 bps | |
| Net Worth / Assets | 9.14% | 9.45% | 9.09% | 9.02% | 8.92% | 8.69% | 8.61% | 8.93% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.66% | 87.51% | 79.95% | 80.83% | 81.29% | 83.21% | 81.03% | 81.91% | +108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
East Hartford, CT · Charter 68662 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 4 branches
Q2 2026
Return on Assets
0.76%
Rank 12 of 18
Net Interest Margin
4.02%
Rank 7 of 18
Efficiency Ratio
89.44%
Rank 15 of 18
Equity / Assets
8.93%
Rank 16 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.58% | 0.88% | 1.13% | Beats 33% | 12 / 18 | ||
| Return on Equity | 8.55% | 4.98% | 8.55% | 10.26% | Beats 50% | 9 / 18 | ||
| Net Interest Margin | 4.02% | 3.06% | 3.69% | 4.15% | Beats 61% | 7 / 18 | ||
| Efficiency Ratio | 89.44% | 72.94% | 75.86% | 86.25% | Beats 22% | 15 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.28% | 0.89% | 1.47% | Beats 61% | 8 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.93% | 9.40% | 10.43% | 11.60% | Beats 11% | 16 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.93% | 9.40% | 10.43% | 11.60% | Beats 11% | 16 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.91% | 41.55% | 63.87% | 69.63% | 89th pctl | 2 / 18 | ||
| Loans / Assets | 71.76% | 37.52% | 56.45% | 62.95% | 89th pctl | 2 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||