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Unity Financial

New Haven, CT · Charter 68745

NCUA · 5 branches

Q2 2026

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

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.

Return on Assets (quarter, annualized)

0.16%+5 bps YoY

Net Interest Margin (quarter, annualized)

4.18%+15 bps YoY

Efficiency Ratio (quarter, annualized)

96.43%+62 bps YoY

Net Worth / Assets

13.15%-16 bps YoY

Discrete quarter, annualized.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.11%0.14%0.09%0.30%0.16%+5 bps
Return on Equity1.03%0.82%1.04%0.67%2.35%1.21%+39 bps
Net Interest Margin3.86%4.03%4.08%4.14%4.01%4.18%+15 bps
Efficiency Ratio94.27%95.80%96.86%97.09%95.28%96.43%+62 bps
Growth
Asset Growth (YoY)n/an/an/an/a-0.34%-0.01%n/a
Loan Growth (YoY)n/an/an/an/a-3.85%-2.00%n/a
Share Growth (YoY)n/an/an/an/a-0.72%-0.36%n/a
Asset Quality
Delinquent Loans / Loans0.69%0.46%0.39%0.21%0.27%0.35%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.99%13.30%13.52%12.96%12.84%13.15%-16 bps
Net Worth / Assets12.99%13.30%13.52%12.96%12.84%13.15%-16 bps
Liquidity & Funding
Loans / Shares79.93%82.17%86.08%82.99%77.41%80.82%-135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0 bps