Mills42
Lowell, MA · Charter 12666 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 1 branch
Q2 2026
$31.5MAssets
$20.0MLoans
$27.5MShares
$3.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 76% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 16 of 66).
- Widest gap: equity / assets trails 62% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 41 of 66).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.79%
Rank 24 of 66
Net Interest Margin
3.63%
Rank 21 of 66
Efficiency Ratio
82.91%
Rank 39 of 66
Equity / Assets
11.91%
Rank 41 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.38% | 0.59% | 1.00% | Beats 64% | 24 / 66 | |
| Return on Equity | 6.61% | 2.62% | 4.89% | 6.39% | Beats 76% | 16 / 66 | |
| Net Interest Margin | 3.63% | 2.83% | 3.27% | 3.84% | Beats 68% | 21 / 66 | |
| Efficiency Ratio | 82.91% | 68.43% | 80.15% | 87.18% | Beats 42% | 39 / 66 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.08% | 0.48% | 1.18% | Beats 44% | 38 / 66 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.91% | 9.84% | 13.79% | 17.21% | Beats 38% | 41 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.91% | 9.84% | 13.79% | 17.21% | Beats 38% | 41 / 66 | |
| Liquidity & Funding |
| Loans / Deposits | 72.74% | 50.73% | 71.54% | 81.61% | 56th pctl | 29 / 66 | |
| Loans / Assets | 63.60% | 40.53% | 57.05% | 68.92% | 59th pctl | 27 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |