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New England Lee

Boston, MA · Charter 16383

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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

91

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

New England Lee

Boston, MA · Charter 16383

NCUA · 1 branch

Q2 2026

$2.8MAssets
$1.0MLoans
$1.2MShares
$1.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.40%, unchanged from a year ago; NIM at 3.24%.
  • Asset quality: problem loans at 0.95% of loans (0 bps YoY).
  • Capital: net worth / assets of 55.11%, unchanged from a year ago.
  • Funding: loans stand at 84.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%0 bps YoY

Net Interest Margin (YTD, annualized)

3.24%0 bps YoY

Efficiency Ratio (YTD, annualized)

61.74%0 bps YoY

Net Worth / Assets

55.11%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.38%1.47%2.03%1.40%0 bps
Return on Equity2.54%2.43%2.70%3.74%2.54%0 bps
Net Interest Margin3.24%3.16%3.07%3.64%3.24%0 bps
Efficiency Ratio61.74%59.74%63.25%53.22%61.74%0 bps
Growth
Asset Growth (YoY)0.00%-2.81%0.00%0.00%0.00%0 bps
Loan Growth (YoY)17.38%3.26%0.00%0.00%0.00%-1,738 bps
Share Growth (YoY)-3.21%-9.01%0.00%0.00%0.00%+321 bps
Asset Quality
Delinquent Loans / Loans0.95%0.25%0.47%1.17%0.95%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.75%0.77%0.76%0.73%0 bps
Capital
Risk-Based Capital55.11%56.80%54.31%54.22%55.11%0 bps
Net Worth / Assets55.11%56.80%54.31%54.22%55.11%0 bps
Liquidity & Funding
Loans / Shares84.33%87.21%77.86%78.38%84.33%0 bps
Liquid Assets / Assets0.00%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

New England Lee

Boston, MA · Charter 16383 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$2.8MAssets
$1.0MLoans
$1.2MShares
$1.5MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 66).
  • Widest gap: return on equity trails 79% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 52 of 66).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.37%

Rank 10 of 66

Net Interest Margin

3.25%

Rank 34 of 66

Efficiency Ratio

62.22%

Rank 7 of 66

Equity / Assets

55.11%

Rank 1 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.38%0.59%1.00%Beats 85%10 / 66
Return on Equity2.49%2.62%4.89%6.39%Beats 21%52 / 66
Net Interest Margin3.25%2.83%3.27%3.84%Beats 48%34 / 66
Efficiency Ratio62.22%68.43%80.15%87.18%Beats 91%7 / 66
Asset Quality
Nonperforming Loans / Loans0.96%0.08%0.48%1.18%Beats 29%48 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio55.11%9.84%13.79%17.21%Beats 98%1 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets55.11%9.84%13.79%17.21%Beats 98%1 / 66
Liquidity & Funding
Loans / Deposits84.32%50.73%71.54%81.61%79th pctl14 / 66
Loans / Assets37.64%40.53%57.05%68.92%21st pctl52 / 66
Brokered Deposits / Depositsn/aNot reported for this institution