PackageTrendsPeer
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Finex

East Hartford, CT · Charter 68662

NCUA · 4 branches

Q2 2026

$134.0MAssets
$96.1MLoans
$117.4MShares
$12.0MNet 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 0.76%, up 96 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.73% of loans (-132 bps YoY).
  • Capital: net worth / assets of 8.93%, down 9 bps from a year ago.
  • Funding: loans stand at 81.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+96 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+19 bps YoY

Efficiency Ratio (YTD, annualized)

89.46%-335 bps YoY

Net Worth / Assets

8.93%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.20%-0.69%-0.81%0.32%0.76%+96 bps
Return on Equity-2.24%-7.76%-9.34%3.71%8.54%+1,078 bps
Net Interest Margin3.83%3.95%4.01%4.01%4.02%+19 bps
Efficiency Ratio92.81%92.59%92.28%93.31%89.46%-335 bps
Growth
Asset Growth (YoY)-8.52%-5.91%-5.63%-7.17%-3.45%+507 bps
Loan Growth (YoY)-9.18%-11.56%-7.15%-4.95%-2.88%+630 bps
Share Growth (YoY)-5.58%-3.54%-2.35%-6.22%-4.17%+141 bps
Asset Quality
Delinquent Loans / Loans2.05%2.27%1.73%1.31%0.73%-132 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 Capital9.02%8.92%8.69%8.61%8.93%-9 bps
Net Worth / Assets9.02%8.92%8.69%8.61%8.93%-9 bps
Liquidity & Funding
Loans / Shares80.83%81.29%83.21%81.03%81.91%+108 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps