Fairfield, CT · Charter 68674
NCUA · 4 branches
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.37% | 0.32% | 0.27% | 0.23% | -6 bps | |
| Return on Equity | 3.08% | 3.78% | 3.37% | 2.81% | 2.36% | -72 bps | |
| Net Interest Margin | 3.19% | 3.45% | 3.40% | 3.38% | 3.39% | +20 bps | |
| Efficiency Ratio | 94.72% | 91.00% | 91.36% | 92.63% | 94.00% | -72 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.03% | 1.33% | -2.30% | -1.88% | -1.20% | -323 bps | |
| Loan Growth (YoY) | 7.74% | 6.15% | 1.89% | -0.75% | -3.25% | -1,098 bps | |
| Share Growth (YoY) | 0.21% | 1.82% | -2.19% | -1.56% | -1.05% | -127 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.65% | 0.59% | 0.62% | 0.60% | +13 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 | 9.38% | 9.79% | 9.63% | 9.60% | 9.58% | +20 bps | |
| Net Worth / Assets | 9.38% | 9.79% | 9.63% | 9.60% | 9.58% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.57% | 71.40% | 68.56% | 67.27% | 66.08% | -150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |