PackageTrendsPeer
Letter portraitLegal landscape

Dedham Town Employees

Dedham, MA · Charter 15073

NCUA · 1 branch

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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

32

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

Dedham Town Employees

Dedham, MA · Charter 15073

NCUA · 1 branch

Q2 2026

$9.3MAssets
$2.0MLoans
$8.0MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, up 16 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 2.38% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.87%, up 101 bps from a year ago.
  • Funding: loans stand at 24.52% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+21 bps YoY

Efficiency Ratio (YTD, annualized)

85.31%+429 bps YoY

Net Worth / Assets

13.87%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%-2.52%0.77%0.28%0.43%0.42%1.08%0.45%+16 bps
Return on Equity4.30%-18.32%5.69%2.21%3.26%3.08%7.78%3.22%+101 bps
Net Interest Margin3.91%0.35%3.96%3.41%3.35%3.38%3.73%3.62%+21 bps
Efficiency Ratio80.93%552%77.87%81.02%79.12%81.75%78.69%85.31%+429 bps
Growth
Asset Growth (YoY)-12.09%-6.80%-1.04%9.32%10.14%5.44%1.04%-3.01%-1,233 bps
Loan Growth (YoY)-9.01%-11.10%-9.80%-11.03%-11.29%-11.73%-21.25%-19.27%-824 bps
Share Growth (YoY)-14.54%-7.93%-2.53%10.49%12.26%5.86%1.44%-4.17%-1,466 bps
Asset Quality
Delinquent Loans / Loans1.81%0.01%1.39%2.29%2.10%2.04%2.16%2.38%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.20%0.24%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.14%13.74%13.60%12.86%13.24%13.51%13.82%13.87%+101 bps
Net Worth / Assets14.14%13.74%13.60%12.86%13.24%13.51%13.82%13.87%+101 bps
Liquidity & Funding
Loans / Shares36.37%33.97%32.85%29.11%28.74%28.33%25.50%24.52%-459 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

Dedham Town Employees

Dedham, MA · Charter 15073 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$9.3MAssets
$2.0MLoans
$8.0MShares
$1.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 22 of 66).
  • Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 64 of 66).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.45%

Rank 45 of 66

Net Interest Margin

3.62%

Rank 22 of 66

Efficiency Ratio

85.31%

Rank 46 of 66

Equity / Assets

13.87%

Rank 32 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.45%0.38%0.59%1.00%Beats 32%45 / 66
Return on Equity3.26%2.62%4.89%6.39%Beats 33%44 / 66
Net Interest Margin3.62%2.83%3.27%3.84%Beats 67%22 / 66
Efficiency Ratio85.31%68.43%80.15%87.18%Beats 32%46 / 66
Asset Quality
Nonperforming Loans / Loans2.35%0.08%0.48%1.18%Beats 5%64 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.87%9.84%13.79%17.21%Beats 52%32 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.87%9.84%13.79%17.21%Beats 52%32 / 66
Liquidity & Funding
Loans / Deposits24.52%50.73%71.54%81.61%3rd pctl64 / 66
Loans / Assets21.07%40.53%57.05%68.92%5th pctl63 / 66
Brokered Deposits / Depositsn/aNot reported for this institution