Shrewsbury, MA · Charter 13601
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
69
Profitability
52
Liquidity
27
Efficiency
72
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.
Shrewsbury, MA · Charter 13601
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.15% | 0.94% | 0.73% | 0.89% | -49 bps | |
| Return on Equity | 15.80% | 13.13% | 11.27% | 8.57% | 10.26% | -553 bps | |
| Net Interest Margin | 2.59% | 2.63% | 2.57% | 2.93% | 2.92% | +34 bps | |
| Efficiency Ratio | 60.32% | 64.59% | 69.01% | 73.06% | 70.39% | +1,007 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.43% | 7.11% | 13.46% | 7.79% | 9.88% | +544 bps | |
| Loan Growth (YoY) | 4.58% | 4.04% | 3.97% | 2.35% | -0.97% | -554 bps | |
| Share Growth (YoY) | 8.02% | 11.57% | 12.77% | 7.45% | 11.30% | +327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.32% | 0.38% | 0.28% | 0.35% | -5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.75% | 8.74% | 8.38% | 8.51% | 8.72% | -4 bps | |
| Net Worth / Assets | 8.75% | 8.74% | 8.38% | 8.51% | 8.72% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.74% | 52.04% | 49.07% | 47.76% | 46.93% | -581 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shrewsbury, MA · Charter 13601 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.89%
Rank 688 of 1,683
Net Interest Margin
2.92%
Rank 1,489 of 1,683
Efficiency Ratio
70.38%
Rank 469 of 1,682
Equity / Assets
8.72%
Rank 1,541 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 688 / 1,683 | |
| Return on Equity | 10.27% | 2.67% | 5.89% | 8.74% | Beats 84% | 262 / 1,681 | |
| Net Interest Margin | 2.92% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,489 / 1,683 | |
| Efficiency Ratio | 70.38% | 68.91% | 78.20% | 86.93% | Beats 72% | 469 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 517 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.72% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,541 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.72% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,541 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.93% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,372 / 1,683 | |
| Loans / Assets | 43.23% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,289 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||