New Haven, CT · Charter 68745
NCUA · 5 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 (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.
Capital
53
Asset Quality
70
Profitability
34
Liquidity
50
Efficiency
9
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.
New Haven, CT · Charter 68745
NCUA · 5 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.13% | 0.11% | 0.14% | 0.09% | 0.30% | 0.16% | +5 bps | |
| Return on Equity | 1.03% | 0.82% | 1.04% | 0.67% | 2.35% | 1.21% | +39 bps | |
| Net Interest Margin | 3.86% | 4.03% | 4.08% | 4.14% | 4.01% | 4.18% | +15 bps | |
| Efficiency Ratio | 94.27% | 95.80% | 96.86% | 97.09% | 95.28% | 96.43% | +62 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -0.34% | -0.01% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -3.85% | -2.00% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -0.72% | -0.36% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.69% | 0.46% | 0.39% | 0.21% | 0.27% | 0.35% | -12 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | ||||||||
| Risk-Based Capital | 12.99% | 13.30% | 13.52% | 12.96% | 12.84% | 13.15% | -16 bps | |
| Net Worth / Assets | 12.99% | 13.30% | 13.52% | 12.96% | 12.84% | 13.15% | -16 bps | |
| Liquidity & Funding | ||||||||
| Loans / Shares | 79.93% | 82.17% | 86.08% | 82.99% | 77.41% | 80.82% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Haven, CT · Charter 68745 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.16% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,413 / 1,683 | ||
| Return on Equity | 1.21% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,408 / 1,681 | ||
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 69% | 530 / 1,683 | ||
| Efficiency Ratio | 96.42% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,524 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 513 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.15% | 10.44% | 12.89% | 16.53% | Beats 53% | 796 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.15% | 10.44% | 12.89% | 16.53% | Beats 53% | 796 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.82% | 52.61% | 69.38% | 83.50% | 71st pctl | 491 / 1,683 | ||
| Loans / Assets | 70.41% | 44.71% | 59.18% | 70.72% | 74th pctl | 432 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||