Middletown, CT · Charter 854
NCUA · 3 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 | -0.14% | 0.01% | 2.73% | 1.34% | 0.27% | 0.20% | 0.15% | 0.11% | -124 bps | |
| Return on Equity | -1.95% | 0.13% | 35.56% | 17.28% | 3.74% | 2.78% | 2.09% | 1.46% | -1,582 bps | |
| Net Interest Margin | 3.49% | 3.51% | 3.28% | 3.54% | 3.62% | 3.57% | 3.50% | 3.58% | +4 bps | |
| Efficiency Ratio | 92.72% | 89.93% | 60.02% | 72.77% | 88.60% | 89.74% | 93.54% | 93.45% | +2,068 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | -2.64% | 2.41% | 1.74% | 3.13% | 3.88% | -0.37% | 1.54% | -20 bps | |
| Loan Growth (YoY) | -8.37% | -9.68% | -7.66% | -5.40% | -3.08% | -1.17% | -0.48% | -1.23% | +417 bps | |
| Share Growth (YoY) | -3.36% | -2.41% | -1.21% | -0.43% | 0.45% | 1.14% | 0.85% | 1.40% | +183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.45% | 0.30% | 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 | 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 | 7.26% | 7.34% | 7.67% | 7.78% | 7.34% | 7.25% | 7.23% | 7.23% | -55 bps | |
| Net Worth / Assets | 7.26% | 7.34% | 7.67% | 7.78% | 7.34% | 7.25% | 7.23% | 7.23% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.90% | 72.18% | 70.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |