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Unity Financial

New Haven, CT · Charter 68745

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q1 2025Q2 2026peer median (50)

Asset Quality

70

Q1 2025Q2 2026peer median (50)

Profitability

34

Q1 2025Q2 2026peer median (50)

Liquidity

50

Q1 2025Q2 2026peer median

Efficiency

9

Q1 2025Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Unity Financial

New Haven, CT · Charter 68745

NCUA · 5 branches

Q2 2026

$63.9MAssets
$45.0MLoans
$55.7MShares
$8.4MNet 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 0.16%, up 5 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.35% of loans (-12 bps YoY).
  • Capital: net worth / assets of 13.15%, down 16 bps from a year ago.
  • Funding: loans stand at 80.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.16%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+15 bps YoY

Efficiency Ratio (YTD, annualized)

96.43%+62 bps YoY

Net Worth / Assets

13.15%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.14%0.09%0.30%0.16%+5 bps
Return on Equity0.82%1.04%0.67%2.35%1.21%+39 bps
Net Interest Margin4.03%4.08%4.14%4.01%4.18%+15 bps
Efficiency Ratio95.80%96.86%97.09%95.28%96.43%+62 bps
Growth
Asset Growth (YoY)n/an/an/a-0.34%-0.01%n/a
Loan Growth (YoY)n/an/an/a-3.85%-2.00%n/a
Share Growth (YoY)n/an/an/a-0.72%-0.36%n/a
Asset Quality
Delinquent Loans / Loans0.46%0.39%0.21%0.27%0.35%-12 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 Capital13.30%13.52%12.96%12.84%13.15%-16 bps
Net Worth / Assets13.30%13.52%12.96%12.84%13.15%-16 bps
Liquidity & Funding
Loans / Shares82.17%86.08%82.99%77.41%80.82%-135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Unity Financial

New Haven, CT · Charter 68745 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 5 branches

Q2 2026

$63.9MAssets
$45.0MLoans
$55.7MShares
$8.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of credit unions under $1B in assets (rank 513 of 1682).
  • Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets (rank 1524 of 1682).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.16%

Rank 1,413 of 1,683

Net Interest Margin

4.18%

Rank 530 of 1,683

Efficiency Ratio

96.42%

Rank 1,524 of 1,682

Equity / Assets

13.15%

Rank 796 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.16%0.35%0.74%1.18%Beats 16%1,413 / 1,683
Return on Equity1.21%2.67%5.89%8.74%Beats 16%1,408 / 1,681
Net Interest Margin4.18%3.31%3.82%4.32%Beats 69%530 / 1,683
Efficiency Ratio96.42%68.91%78.20%86.93%Beats 9%1,524 / 1,682
Asset Quality
Nonperforming Loans / Loans0.34%0.26%0.65%1.29%Beats 70%513 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.15%10.44%12.89%16.53%Beats 53%796 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.15%10.44%12.89%16.53%Beats 53%796 / 1,683
Liquidity & Funding
Loans / Deposits80.82%52.61%69.38%83.50%71st pctl491 / 1,683
Loans / Assets70.41%44.71%59.18%70.72%74th pctl432 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution