Connecticut Credit Unions

Member engagement deteriorated significantly as growth decelerated to -2.42% in Q4 2025 from 1.03% a year ago and -1.60% last quarter, trailing national performance by 1.72 percentage points. The persistent member decline across both timeframes indicates ongoing retention challenges despite improving financial metrics.

Profitability showed strong improvement with ROA increasing to 0.73% from 0.68% QoQ and 0.49% YoY, matching national benchmarks. NIM remained stable at 3.58% QoQ but increased 6 basis points YoY, though still 15 bps below national. Fee income surged 6.15 percentage points QoQ and 6.29 percentage points YoY.

Growth momentum accelerated across key metrics in Q4 2025. Asset growth accelerated to 2.86% from 1.99% QoQ and 1.69% YoY, while loan growth surged from -0.22% to 1.35% QoQ, outpacing national by 83 basis points. Deposit growth also accelerated from 1.78% to 2.31% QoQ.

Risk metrics remained well-controlled with delinquency stable at 0.86% QoQ and decreasing from 1.02% YoY, performing 4 basis points better than national. Net worth strengthened to 12.51% from 11.89% QoQ and 12.15% YoY, though remaining 1.17 percentage points below national levels.

Portfolio composition shifted toward traditional lending with first mortgages increasing 0.89 percentage points YoY to 20.14%, approaching national levels. Indirect auto lending decreased 0.98 percentage points YoY to 4.55%, well below national 7.78%. Certificate concentrations rose 1.70 percentage points YoY to 14.59%.