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 | |