Attleboro, MA · Charter 11400
NCUA · 1 branch
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 Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
100
Profitability
35
Liquidity
12
Efficiency
56
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.
Attleboro, MA · Charter 11400
NCUA · 1 branch
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 | 0.60% | 0.53% | 0.20% | 0.49% | 0.52% | 0.52% | 0.52% | 0.58% | +9 bps | |
| Return on Equity | 5.47% | 4.93% | 1.88% | 4.53% | 4.79% | 4.80% | 4.82% | 5.37% | +84 bps | |
| Net Interest Margin | 2.46% | 2.38% | 2.34% | 2.45% | 2.46% | 2.42% | 2.42% | 2.45% | 0 bps | |
| Efficiency Ratio | 80.24% | 82.14% | 92.91% | 83.57% | 82.63% | 82.37% | 82.07% | 80.20% | -337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.63% | 11.59% | 6.39% | 7.49% | 7.00% | 4.84% | 3.75% | 5.76% | -173 bps | |
| Loan Growth (YoY) | 2.49% | -0.01% | -4.22% | -4.53% | -6.25% | -7.44% | -5.94% | -6.48% | -194 bps | |
| Share Growth (YoY) | 7.63% | 12.19% | 6.56% | 7.82% | 7.35% | 4.82% | 3.51% | 5.68% | -214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 11.02% | 10.72% | 10.55% | 10.76% | 10.77% | 10.74% | 10.76% | 10.74% | -3 bps | |
| Net Worth / Assets | 11.02% | 10.72% | 10.55% | 10.76% | 10.77% | 10.74% | 10.76% | 10.74% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.84% | 50.42% | 47.86% | 47.92% | 46.15% | 44.52% | 43.49% | 42.41% | -551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Attleboro, MA · Charter 11400 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
0.58%
Rank 13 of 25
Net Interest Margin
2.45%
Rank 23 of 25
Efficiency Ratio
80.14%
Rank 12 of 25
Equity / Assets
10.74%
Rank 16 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.39% | 0.58% | 0.96% | Beats 48% | 13 / 25 | ||
| Return on Equity | 5.38% | 3.08% | 5.38% | 8.04% | Beats 48% | 13 / 25 | ||
| Net Interest Margin | 2.45% | 2.78% | 3.19% | 3.68% | Beats 8% | 23 / 25 | ||
| Efficiency Ratio | 80.14% | 74.87% | 81.63% | 89.25% | Beats 56% | 12 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.21% | 0.48% | 0.93% | Beats 100% | 2 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.74% | 9.94% | 11.40% | 12.51% | Beats 36% | 16 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.74% | 9.94% | 11.40% | 12.51% | Beats 36% | 16 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.41% | 54.80% | 74.79% | 86.25% | 16th pctl | 21 / 25 | ||
| Loans / Assets | 37.78% | 49.28% | 61.62% | 76.11% | 16th pctl | 21 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||