Middletown, CT · Charter 854
NCUA · 3 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
0
Asset Quality
72
Profitability
22
Liquidity
48
Efficiency
11
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.
Middletown, CT · Charter 854
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.27% | 0.20% | 0.15% | 0.11% | -124 bps | |
| Return on Equity | 17.28% | 3.74% | 2.78% | 2.09% | 1.46% | -1,582 bps | |
| Net Interest Margin | 3.54% | 3.62% | 3.57% | 3.50% | 3.58% | +4 bps | |
| Efficiency Ratio | 72.77% | 88.60% | 89.74% | 93.54% | 93.45% | +2,068 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.74% | 3.13% | 3.88% | -0.37% | 1.54% | -20 bps | |
| Loan Growth (YoY) | -5.40% | -3.08% | -1.17% | -0.48% | -1.23% | +417 bps | |
| Share Growth (YoY) | -0.43% | 0.45% | 1.14% | 0.85% | 1.40% | +183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.42% | 0.33% | 0.47% | 0.33% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.78% | 7.34% | 7.25% | 7.23% | 7.23% | -55 bps | |
| Net Worth / Assets | 7.78% | 7.34% | 7.25% | 7.23% | 7.23% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.52% | 72.27% | 70.53% | 69.66% | 69.67% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Middletown, CT · Charter 854 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 3 branches
Q2 2026
Return on Assets
0.11%
Rank 16 of 18
Net Interest Margin
3.58%
Rank 10 of 18
Efficiency Ratio
93.45%
Rank 17 of 18
Equity / Assets
7.23%
Rank 18 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.58% | 0.88% | 1.13% | Beats 11% | 16 / 18 | |
| Return on Equity | 1.46% | 4.98% | 8.55% | 10.26% | Beats 11% | 16 / 18 | |
| Net Interest Margin | 3.58% | 3.06% | 3.69% | 4.15% | Beats 44% | 10 / 18 | |
| Efficiency Ratio | 93.45% | 72.94% | 75.86% | 86.25% | Beats 11% | 17 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.28% | 0.89% | 1.47% | Beats 72% | 6 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.23% | 9.40% | 10.43% | 11.60% | Beats 0% | 18 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.23% | 9.40% | 10.43% | 11.60% | Beats 0% | 18 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.67% | 41.55% | 63.87% | 69.63% | 78th pctl | 4 / 18 | |
| Loans / Assets | 62.95% | 37.52% | 56.45% | 62.95% | 72nd pctl | 5 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||