The Andovers
Andover, MA · Charter 16067 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 2 branches
Q2 2026
$36.9MAssets
$7.5MLoans
$32.0MShares
$4.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 11 of 66).
- Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 59 of 66).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.00%
Rank 17 of 66
Net Interest Margin
2.69%
Rank 59 of 66
Efficiency Ratio
66.67%
Rank 14 of 66
Equity / Assets
13.21%
Rank 36 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.38% | 0.59% | 1.00% | Beats 74% | 17 / 66 | |
| Return on Equity | 7.55% | 2.62% | 4.89% | 6.39% | Beats 83% | 11 / 66 | |
| Net Interest Margin | 2.69% | 2.83% | 3.27% | 3.84% | Beats 11% | 59 / 66 | |
| Efficiency Ratio | 66.67% | 68.43% | 80.15% | 87.18% | Beats 80% | 14 / 66 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.08% | 0.48% | 1.18% | Beats 41% | 40 / 66 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.21% | 9.84% | 13.79% | 17.21% | Beats 45% | 36 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.21% | 9.84% | 13.79% | 17.21% | Beats 45% | 36 / 66 | |
| Liquidity & Funding |
| Loans / Deposits | 23.54% | 50.73% | 71.54% | 81.61% | 2nd pctl | 65 / 66 | |
| Loans / Assets | 20.40% | 40.53% | 57.05% | 68.92% | 2nd pctl | 65 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |