Pawtucket, RI · Charter 16016
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
80
Asset Quality
44
Profitability
45
Liquidity
87
Efficiency
24
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.
Pawtucket, RI · Charter 16016
NCUA · 1 branch
Q2 2026
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 1.11% | 0.52% | 0.85% | 0.84% | 1.38% | 0.14% | 0.45% | -40 bps | |
| Return on Equity | 5.77% | 8.93% | 4.18% | 6.68% | 6.30% | 10.44% | 1.05% | 3.36% | -332 bps | |
| Net Interest Margin | 3.89% | 4.71% | 3.75% | 4.19% | 4.30% | 4.91% | 3.56% | 3.92% | -27 bps | |
| Efficiency Ratio | 83.05% | 77.05% | 86.63% | 80.35% | 81.01% | 72.50% | 96.05% | 88.78% | +842 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | -0.55% | 3.38% | 4.80% | 0.06% | 0.56% | -3.11% | 0.94% | -387 bps | |
| Loan Growth (YoY) | 24.21% | 20.97% | 0.26% | -1.56% | -0.93% | -5.75% | 1.44% | -3.92% | -236 bps | |
| Share Growth (YoY) | -0.58% | -2.12% | 4.95% | 3.40% | -1.54% | -0.25% | -4.74% | 0.07% | -333 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.27% | 0.07% | 0.22% | 0.27% | 0.22% | 0.00% | 0.60% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.18% | 1.16% | 1.12% | 1.16% | 0.00% | 0.92% | 0.94% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.81% | 12.44% | 12.34% | 12.68% | 13.32% | 13.19% | 13.74% | 13.38% | +70 bps | |
| Net Worth / Assets | 11.81% | 12.44% | 12.34% | 12.68% | 13.32% | 13.19% | 13.74% | 13.38% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.75% | 71.52% | 68.72% | 72.71% | 72.19% | 67.58% | 73.18% | 69.81% | -290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pawtucket, RI · Charter 16016 · 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
0.45%
Rank 18 of 25
Net Interest Margin
3.90%
Rank 5 of 25
Efficiency Ratio
89.34%
Rank 20 of 25
Equity / Assets
13.38%
Rank 5 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.39% | 0.58% | 0.96% | Beats 28% | 18 / 25 | ||
| Return on Equity | 3.40% | 3.08% | 5.38% | 8.04% | Beats 28% | 18 / 25 | ||
| Net Interest Margin | 3.90% | 2.78% | 3.19% | 3.68% | Beats 80% | 5 / 25 | ||
| Efficiency Ratio | 89.34% | 74.87% | 81.63% | 89.25% | Beats 24% | 20 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.21% | 0.48% | 0.93% | Beats 44% | 15 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.38% | 9.94% | 11.40% | 12.51% | Beats 80% | 5 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.38% | 9.94% | 11.40% | 12.51% | Beats 80% | 5 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.81% | 54.80% | 74.79% | 86.25% | 40th pctl | 15 / 25 | ||
| Loans / Assets | 60.29% | 49.28% | 61.62% | 76.11% | 36th pctl | 16 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||