Randolph, MA · Charter 14845
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
32
Asset Quality
82
Profitability
50
Liquidity
53
Efficiency
43
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.
Randolph, MA · Charter 14845
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 | 0.56% | 0.68% | 0.71% | 0.79% | 0.75% | +19 bps | |
| Return on Equity | 5.27% | 6.21% | 6.44% | 7.31% | 6.79% | +151 bps | |
| Net Interest Margin | 3.48% | 3.50% | 3.49% | 3.50% | 3.62% | +15 bps | |
| Efficiency Ratio | 82.57% | 79.13% | 78.95% | 78.71% | 80.50% | -207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | 7.32% | 1.91% | 6.03% | 4.79% | -29 bps | |
| Loan Growth (YoY) | 1.38% | 1.93% | -0.14% | 0.63% | 11.27% | +988 bps | |
| Share Growth (YoY) | 4.80% | 7.51% | 1.39% | 5.91% | 4.77% | -3 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 1.31% | 0.23% | 0.08% | 0.15% | -46 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 | 10.58% | 10.91% | 11.00% | 10.82% | 11.05% | +46 bps | |
| Net Worth / Assets | 10.58% | 10.91% | 11.00% | 10.82% | 11.05% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.37% | 75.19% | 72.88% | 71.57% | 80.05% | +467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Randolph, MA · Charter 14845 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.75%
Rank 825 of 1,683
Net Interest Margin
3.62%
Rank 1,021 of 1,683
Efficiency Ratio
80.43%
Rank 957 of 1,682
Equity / Assets
11.05%
Rank 1,142 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 51% | 825 / 1,683 | |
| Return on Equity | 6.81% | 2.67% | 5.89% | 8.74% | Beats 59% | 691 / 1,681 | |
| Net Interest Margin | 3.62% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,021 / 1,683 | |
| Efficiency Ratio | 80.43% | 68.91% | 78.20% | 86.93% | Beats 43% | 957 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 82% | 297 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.05% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,142 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.05% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,142 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.04% | 52.61% | 69.38% | 83.50% | 70th pctl | 511 / 1,683 | |
| Loans / Assets | 71.00% | 44.71% | 59.18% | 70.72% | 76th pctl | 408 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||