Lexington, MA · Charter 14750
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=68). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
100
Profitability
29
Liquidity
32
Efficiency
1
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.
Lexington, MA · Charter 14750
NCUA · 1 branch
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.35% | -0.29% | 0.20% | -0.58% | -3.10% | -275 bps | |
| Return on Equity | -3.58% | -3.18% | 2.20% | -6.73% | -41.19% | -3,761 bps | |
| Net Interest Margin | 4.23% | 4.11% | 4.23% | 4.20% | 4.64% | +42 bps | |
| Efficiency Ratio | 107.89% | 106.71% | 81.14% | 101.57% | 156.65% | +4,876 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.53% | -1.28% | -7.81% | -5.52% | -8.37% | -84 bps | |
| Loan Growth (YoY) | -8.07% | -13.32% | -17.21% | -24.03% | -24.59% | -1,652 bps | |
| Share Growth (YoY) | -7.76% | -4.68% | -8.53% | -3.53% | -6.10% | +166 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 2.18% | 1.21% | 0.29% | 0.00% | -73 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 | 9.73% | 9.27% | 9.02% | 8.63% | 7.53% | -220 bps | |
| Net Worth / Assets | 9.73% | 9.27% | 9.02% | 8.63% | 7.53% | -220 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.21% | 56.31% | 53.16% | 47.57% | 48.35% | -1,185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lexington, MA · Charter 14750 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=68)
NCUA · 1 branch
Q3 2025
Return on Assets
-3.11%
Rank 68 of 68
Net Interest Margin
4.66%
Rank 8 of 68
Efficiency Ratio
156.52%
Rank 68 of 68
Equity / Assets
7.53%
Rank 66 of 68
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.11% | 0.36% | 0.58% | 1.06% | Beats 0% | 68 / 68 | |
| Return on Equity | -41.27% | 3.08% | 4.68% | 7.23% | Beats 0% | 68 / 68 | |
| Net Interest Margin | 4.66% | 2.75% | 3.17% | 3.97% | Beats 88% | 8 / 68 | |
| Efficiency Ratio | 156.52% | 71.19% | 82.23% | 87.78% | Beats 1% | 68 / 68 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.38% | 1.01% | Beats 100% | 10 / 68 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.53% | 9.92% | 13.25% | 17.01% | Beats 3% | 66 / 68 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.53% | 9.92% | 13.25% | 17.01% | Beats 3% | 66 / 68 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.35% | 51.31% | 71.47% | 84.61% | 21st pctl | 54 / 68 | |
| Loans / Assets | 44.52% | 42.76% | 60.78% | 70.95% | 26th pctl | 50 / 68 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||