| Metric | Trumbull Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -6.9% | +0.9% | -7.8 pts |
| Loan growth (YoY) | -15.7% | -2.6% | -13.0 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.1M | $2.7M | $1.1M | $427K | $2K | 0.15% | 3.14% | 0.51% | 422 |
| Q1 2026 | $3.0M | $2.6M | $1.1M | $431K | $6K | 0.76% | 3.23% | 0.24% | 422 |
| Q4 2025 | $3.0M | $2.6M | $1.2M | $425K | $32K | 1.08% | 3.63% | 0.00% | 433 |
| Q3 2025 | $3.1M | $2.7M | $1.3M | $424K | $30K | 1.30% | 3.73% | 0.00% | 437 |
| Q2 2025 | $3.3M | $2.9M | $1.3M | $410K | $52K | 3.16% | 10.19% | 0.00% | 444 |
| Q1 2025 | $3.3M | $2.8M | $1.4M | $408K | $14K | 1.78% | 4.09% | 0.00% | 440 |
| Q4 2024 | $3.2M | $2.8M | $1.4M | $393K | $35K | 1.09% | 3.51% | 0.00% | 445 |
| Q3 2024 | $3.3M | $2.9M | $1.5M | $390K | $32K | 1.27% | 3.61% | 0.00% | 447 |
| Ratio | Trumbull Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.3M |
| $2.9M |
| $1.5M |
| $377K |
| $18K |
| 1.11% |
| 3.50% |
| 0.00% |
| 451 |
Loan mix (Q2 2026): real estate $541K · commercial $0 · consumer $572K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 80.6% | 79th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Trumbull Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Trumbull Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Trumbull Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Trumbull Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Trumbull Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Fairfax (City), VA, ranked 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairfax (City), VA | 1 | $1.3M* | 0.02% | 35th |
| Greater Bridgeport, CT | 1 | $1.3M* | 0.01% | 28th |
Connecticut: 122nd with 0.00% · Virginia: 236th with 0.00% · Bridgeport-Stamford-Danbury metro: 47th, 0.00% · Washington-Arlington-Alexandria metro: 167th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2