Leominster, MA · Charter 1461
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 Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
93
Profitability
51
Liquidity
95
Efficiency
60
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.
Leominster, MA · Charter 1461
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 | 1.19% | 1.24% | 1.15% | 0.94% | 0.90% | -29 bps | |
| Return on Equity | 10.72% | 10.87% | 10.09% | 8.37% | 8.07% | -265 bps | |
| Net Interest Margin | 3.47% | 3.50% | 3.41% | 3.15% | 3.10% | -36 bps | |
| Efficiency Ratio | 68.31% | 67.35% | 69.06% | 72.52% | 73.11% | +480 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.54% | 11.23% | 5.21% | 9.99% | 8.65% | -189 bps | |
| Loan Growth (YoY) | 10.32% | 7.19% | 6.65% | 0.74% | -1.07% | -1,139 bps | |
| Share Growth (YoY) | 10.29% | 11.60% | 4.46% | 10.24% | 8.72% | -157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.09% | 0.28% | 0.01% | +1 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 | 11.10% | 11.42% | 11.39% | 11.21% | 11.20% | +11 bps | |
| Net Worth / Assets | 11.10% | 11.42% | 11.39% | 11.21% | 11.20% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.78% | 57.87% | 56.32% | 53.72% | 53.49% | -529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Leominster, MA · Charter 1461 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.91%
Rank 27 of 60
Net Interest Margin
3.10%
Rank 42 of 60
Efficiency Ratio
73.21%
Rank 25 of 60
Equity / Assets
11.20%
Rank 41 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.35% | 0.84% | 1.37% | Beats 55% | 27 / 60 | |
| Return on Equity | 8.10% | 2.76% | 6.36% | 10.04% | Beats 68% | 19 / 60 | |
| Net Interest Margin | 3.10% | 3.02% | 3.63% | 4.05% | Beats 30% | 42 / 60 | |
| Efficiency Ratio | 73.21% | 67.68% | 77.48% | 89.33% | Beats 60% | 25 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.32% | 0.64% | 1.44% | Beats 93% | 5 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.20% | 10.72% | 13.16% | 17.68% | Beats 32% | 41 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.20% | 10.72% | 13.16% | 17.68% | Beats 32% | 41 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.48% | 43.79% | 55.03% | 72.55% | 45th pctl | 33 / 60 | |
| Loans / Assets | 47.07% | 36.50% | 47.22% | 58.67% | 47th pctl | 32 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||