Danvers, MA · Charter 14191
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 Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
100
Profitability
63
Liquidity
61
Efficiency
77
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.
Danvers, MA · Charter 14191
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 | 1.94% | 1.97% | 1.84% | 1.55% | 1.21% | -73 bps | |
| Return on Equity | 5.15% | 5.06% | 4.73% | 3.97% | 3.10% | -204 bps | |
| Net Interest Margin | 3.89% | 3.99% | 3.94% | 3.83% | 3.83% | -6 bps | |
| Efficiency Ratio | 50.21% | 50.67% | 53.25% | 59.65% | 68.49% | +1,828 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.44% | 0.88% | 3.31% | 2.30% | 0.30% | -115 bps | |
| Loan Growth (YoY) | -14.92% | -16.15% | -9.21% | -6.76% | -7.35% | +758 bps | |
| Share Growth (YoY) | -0.89% | -2.04% | 1.83% | 0.40% | -2.25% | -135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.34% | 0.36% | 0.36% | 0.36% | 0.37% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.65% | 38.88% | 38.98% | 38.91% | 38.99% | +134 bps | |
| Net Worth / Assets | 37.65% | 38.88% | 38.98% | 38.91% | 38.99% | +134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.17% | 84.61% | 84.21% | 82.58% | 79.78% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Danvers, MA · Charter 14191 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 1 branch
Q2 2026
Return on Assets
1.20%
Rank 11 of 66
Net Interest Margin
3.84%
Rank 17 of 66
Efficiency Ratio
68.15%
Rank 16 of 66
Equity / Assets
38.99%
Rank 3 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.38% | 0.59% | 1.00% | Beats 83% | 11 / 66 | |
| Return on Equity | 3.07% | 2.62% | 4.89% | 6.39% | Beats 32% | 45 / 66 | |
| Net Interest Margin | 3.84% | 2.83% | 3.27% | 3.84% | Beats 74% | 17 / 66 | |
| Efficiency Ratio | 68.15% | 68.43% | 80.15% | 87.18% | Beats 77% | 16 / 66 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.48% | 1.18% | Beats 100% | 10 / 66 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 38.99% | 9.84% | 13.79% | 17.21% | Beats 95% | 3 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 38.99% | 9.84% | 13.79% | 17.21% | Beats 95% | 3 / 66 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.78% | 50.73% | 71.54% | 81.61% | 70th pctl | 20 / 66 | |
| Loans / Assets | 48.32% | 40.53% | 57.05% | 68.92% | 35th pctl | 43 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||