Attleboro, MA · Charter 16011
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 Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
88
Profitability
89
Liquidity
0
Efficiency
88
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.
Attleboro, MA · Charter 16011
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 | 1.63% | 1.61% | 1.67% | 1.70% | 1.40% | -23 bps | |
| Return on Equity | 13.68% | 12.97% | 13.09% | 12.90% | 10.19% | -349 bps | |
| Net Interest Margin | 3.99% | 4.15% | 4.19% | 4.21% | 4.04% | +4 bps | |
| Efficiency Ratio | 61.37% | 62.92% | 62.10% | 61.46% | 67.18% | +581 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.31% | 0.95% | 2.57% | 0.54% | -2.02% | -233 bps | |
| Loan Growth (YoY) | -5.63% | -8.30% | -5.64% | -7.60% | -8.79% | -316 bps | |
| Share Growth (YoY) | -0.93% | -0.48% | 1.05% | -1.24% | -3.87% | -295 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.00% | 0.20% | 0.04% | 0.13% | +6 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 | 11.90% | 12.43% | 12.78% | 13.15% | 13.72% | +182 bps | |
| Net Worth / Assets | 11.90% | 12.43% | 12.78% | 13.15% | 13.72% | +182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.35% | 22.61% | 22.55% | 22.08% | 22.15% | -119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Attleboro, MA · Charter 16011 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
1.40%
Rank 1 of 25
Net Interest Margin
4.03%
Rank 3 of 25
Efficiency Ratio
67.24%
Rank 4 of 25
Equity / Assets
13.72%
Rank 4 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 0.39% | 0.58% | 0.96% | Beats 96% | 1 / 25 | |
| Return on Equity | 10.17% | 3.08% | 5.38% | 8.04% | Beats 84% | 4 / 25 | |
| Net Interest Margin | 4.03% | 2.78% | 3.19% | 3.68% | Beats 88% | 3 / 25 | |
| Efficiency Ratio | 67.24% | 74.87% | 81.63% | 89.25% | Beats 88% | 4 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.21% | 0.48% | 0.93% | Beats 88% | 4 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.72% | 9.94% | 11.40% | 12.51% | Beats 84% | 4 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.72% | 9.94% | 11.40% | 12.51% | Beats 84% | 4 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 22.15% | 54.80% | 74.79% | 86.25% | 0th pctl | 25 / 25 | |
| Loans / Assets | 19.10% | 49.28% | 61.62% | 76.11% | 0th pctl | 25 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||