Plainville, CT · Charter 7244
NCUA · 2 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 in the Hartford-West Hartford-East Hartford, CT area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
89
Profitability
70
Liquidity
0
Efficiency
89
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.
Plainville, CT · Charter 7244
NCUA · 2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.05% | 1.14% | 1.18% | 1.17% | 1.13% | 1.21% | 1.13% | -5 bps | |
| Return on Equity | 10.89% | 10.11% | 10.96% | 11.08% | 10.49% | 10.28% | 10.99% | 9.85% | -123 bps | |
| Net Interest Margin | 3.84% | 3.80% | 3.88% | 4.02% | 4.20% | 4.06% | 4.04% | 4.15% | +12 bps | |
| Efficiency Ratio | 65.73% | 66.35% | 66.27% | 65.13% | 65.18% | 66.00% | 65.77% | 66.03% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.28% | 5.05% | 5.16% | 6.30% | 3.04% | 5.10% | 5.32% | 3.09% | -322 bps | |
| Loan Growth (YoY) | 2.69% | 2.37% | 6.67% | 9.42% | 8.08% | 9.12% | 4.88% | 0.26% | -916 bps | |
| Share Growth (YoY) | 3.88% | 4.53% | 4.71% | 5.97% | 1.99% | 4.29% | 4.45% | 2.12% | -385 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.43% | 0.36% | 0.17% | 0.17% | 0.11% | 0.10% | 0.09% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 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% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.37% | 10.34% | 10.42% | 10.65% | 11.15% | 10.97% | 11.03% | 11.44% | +79 bps | |
| Net Worth / Assets | 10.37% | 10.34% | 10.42% | 10.65% | 11.15% | 10.97% | 11.03% | 11.44% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.18% | 91.12% | 91.14% | 94.05% | 98.74% | 95.34% | 91.52% | 92.33% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Plainville, CT · Charter 7244 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 2 branches
Q2 2026
Return on Assets
1.13%
Rank 5 of 18
Net Interest Margin
4.15%
Rank 5 of 18
Efficiency Ratio
66.03%
Rank 3 of 18
Equity / Assets
11.44%
Rank 6 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.58% | 0.88% | 1.13% | Beats 72% | 5 / 18 | ||
| Return on Equity | 9.86% | 4.98% | 8.55% | 10.26% | Beats 67% | 6 / 18 | ||
| Net Interest Margin | 4.15% | 3.06% | 3.69% | 4.15% | Beats 72% | 5 / 18 | ||
| Efficiency Ratio | 66.03% | 72.94% | 75.86% | 86.25% | Beats 89% | 3 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.28% | 0.89% | 1.47% | Beats 89% | 3 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.44% | 9.40% | 10.43% | 11.60% | Beats 67% | 6 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.44% | 9.40% | 10.43% | 11.60% | Beats 67% | 6 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.33% | 41.55% | 63.87% | 69.63% | 94th pctl | 1 / 18 | ||
| Loans / Assets | 81.21% | 37.52% | 56.45% | 62.95% | 94th pctl | 1 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||