Windsor Locks, CT · Charter 7723
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 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
33
Asset Quality
67
Profitability
37
Liquidity
76
Efficiency
28
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.
Windsor Locks, CT · Charter 7723
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.35% | 0.51% | 0.48% | 0.52% | 0.55% | 0.56% | 0.58% | +10 bps | |
| Return on Equity | 3.54% | 3.87% | 5.64% | 5.21% | 5.46% | 5.78% | 6.01% | 6.11% | +90 bps | |
| Net Interest Margin | 3.37% | 3.34% | 3.52% | 3.66% | 3.86% | 3.85% | 3.78% | 3.86% | +20 bps | |
| Efficiency Ratio | 89.76% | 88.15% | 84.42% | 83.27% | 83.25% | 82.66% | 85.92% | 86.24% | +297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | -0.32% | 0.15% | 1.84% | 1.04% | 0.43% | 1.45% | 2.18% | +35 bps | |
| Loan Growth (YoY) | -1.35% | 1.75% | 3.93% | 4.84% | 2.95% | -0.50% | -1.88% | -2.78% | -762 bps | |
| Share Growth (YoY) | -2.07% | -1.10% | -0.76% | 1.46% | 0.79% | 0.92% | 1.90% | 2.52% | +106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.83% | 0.66% | 0.70% | 0.75% | 0.55% | 0.60% | 0.68% | -2 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 | 9.19% | 9.10% | 9.00% | 9.17% | 9.60% | 9.58% | 9.38% | 9.53% | +36 bps | |
| Net Worth / Assets | 9.19% | 9.10% | 9.00% | 9.17% | 9.60% | 9.58% | 9.38% | 9.53% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.81% | 69.84% | 68.83% | 69.93% | 71.30% | 68.86% | 66.27% | 66.32% | -361 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Windsor Locks, CT · Charter 7723 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 5 branches
Q2 2026
Return on Assets
0.58%
Rank 14 of 18
Net Interest Margin
3.86%
Rank 8 of 18
Efficiency Ratio
86.25%
Rank 14 of 18
Equity / Assets
9.53%
Rank 12 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.58% | 0.88% | 1.13% | Beats 22% | 14 / 18 | ||
| Return on Equity | 6.11% | 4.98% | 8.55% | 10.26% | Beats 33% | 12 / 18 | ||
| Net Interest Margin | 3.86% | 3.06% | 3.69% | 4.15% | Beats 56% | 8 / 18 | ||
| Efficiency Ratio | 86.25% | 72.94% | 75.86% | 86.25% | Beats 28% | 14 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.28% | 0.89% | 1.47% | Beats 67% | 7 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.53% | 9.40% | 10.43% | 11.60% | Beats 33% | 12 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.53% | 9.40% | 10.43% | 11.60% | Beats 33% | 12 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.32% | 41.55% | 63.87% | 69.63% | 61st pctl | 7 / 18 | ||
| Loans / Assets | 59.16% | 37.52% | 56.45% | 62.95% | 61st pctl | 7 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||