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Burlington Municipal Employees

Burlington, MA · Charter 14865

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

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.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Burlington Municipal Employees

Burlington, MA · Charter 14865

NCUA · 2 branches

Q2 2026

$11.0MAssets
$4.9MLoans
$9.2MShares
$1.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, down 150 bps year over year; NIM at 0.66%.
  • Asset quality: problem loans at 0.53% of loans (+53 bps YoY).
  • Capital: net worth / assets of 15.26%, up 165 bps from a year ago.
  • Funding: loans stand at 53.49% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.38%-150 bps YoY

Net Interest Margin (YTD, annualized)

0.66%-389 bps YoY

Efficiency Ratio (YTD, annualized)

47.67%-1,243 bps YoY

Net Worth / Assets

15.26%+165 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.11%1.83%2.02%1.88%2.03%1.90%4.28%0.38%-150 bps
Return on Equity16.68%14.55%15.25%13.85%14.54%13.36%29.32%2.51%-1,133 bps
Net Interest Margin5.05%4.74%4.56%4.56%4.71%4.43%4.97%0.66%-389 bps
Efficiency Ratio54.66%58.83%57.30%60.10%58.16%58.82%14.54%47.67%-1,243 bps
Growth
Asset Growth (YoY)-5.38%-2.94%-3.99%-0.44%3.95%1.95%5.05%3.79%+423 bps
Loan Growth (YoY)3.02%1.64%-5.51%-2.30%5.91%7.88%7.19%3.48%+578 bps
Share Growth (YoY)-7.88%-5.70%-6.70%-2.58%2.45%0.22%3.42%1.77%+435 bps
Asset Quality
Delinquent Loans / Loans1.75%1.73%0.00%0.00%0.00%1.49%0.08%0.53%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.65%12.60%13.25%13.60%13.99%14.23%14.59%15.26%+165 bps
Net Worth / Assets12.65%12.60%13.25%13.60%13.99%14.23%14.59%15.26%+165 bps
Liquidity & Funding
Loans / Shares53.41%51.78%51.82%52.61%55.21%55.74%53.71%53.49%+88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Burlington Municipal Employees

Burlington, MA · Charter 14865 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 2 branches

Q2 2026

$11.0MAssets
$4.9MLoans
$9.2MShares
$1.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 2 of 66).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 66 of 66).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.38%

Rank 49 of 66

Net Interest Margin

0.66%

Rank 66 of 66

Efficiency Ratio

47.50%

Rank 2 of 66

Equity / Assets

15.26%

Rank 29 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.38%0.38%0.59%1.00%Beats 26%49 / 66
Return on Equity2.51%2.62%4.89%6.39%Beats 23%51 / 66
Net Interest Margin0.66%2.83%3.27%3.84%Beats 0%66 / 66
Efficiency Ratio47.50%68.43%80.15%87.18%Beats 98%2 / 66
Asset Quality
Nonperforming Loans / Loans0.53%0.08%0.48%1.18%Beats 48%35 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.26%9.84%13.79%17.21%Beats 56%29 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.26%9.84%13.79%17.21%Beats 56%29 / 66
Liquidity & Funding
Loans / Deposits53.49%50.73%71.54%81.61%29th pctl47 / 66
Loans / Assets45.16%40.53%57.05%68.92%29th pctl47 / 66
Brokered Deposits / Depositsn/aNot reported for this institution