PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

360 Federal Credit Union

Windsor Locks, CT · Charter 7723

NCUA · 5 branches

Q2 2026

$324.4MAssets
$191.9MLoans
$289.4MShares
$30.9MNet 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 0.58%, up 10 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.68% of loans (-2 bps YoY).
  • Capital: net worth / assets of 9.53%, up 36 bps from a year ago.
  • Funding: loans stand at 66.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+20 bps YoY

Efficiency Ratio (YTD, annualized)

86.24%+297 bps YoY

Net Worth / Assets

9.53%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.52%0.55%0.56%0.58%+10 bps
Return on Equity5.21%5.46%5.78%6.01%6.11%+90 bps
Net Interest Margin3.66%3.86%3.85%3.78%3.86%+20 bps
Efficiency Ratio83.27%83.25%82.66%85.92%86.24%+297 bps
Growth
Asset Growth (YoY)1.84%1.04%0.43%1.45%2.18%+35 bps
Loan Growth (YoY)4.84%2.95%-0.50%-1.88%-2.78%-762 bps
Share Growth (YoY)1.46%0.79%0.92%1.90%2.52%+106 bps
Asset Quality
Delinquent Loans / Loans0.70%0.75%0.55%0.60%0.68%-2 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 Capital9.17%9.60%9.58%9.38%9.53%+36 bps
Net Worth / Assets9.17%9.60%9.58%9.38%9.53%+36 bps
Liquidity & Funding
Loans / Shares69.93%71.30%68.86%66.27%66.32%-361 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps