Norwood, MA · Charter 17112
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 Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
5
Profitability
55
Liquidity
33
Efficiency
48
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.
Norwood, MA · Charter 17112
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 | 0.59% | 0.47% | 1.18% | 1.26% | 1.02% | 0.97% | 1.19% | 0.88% | -38 bps | |
| Return on Equity | 2.35% | 1.81% | 4.37% | 4.71% | 3.79% | 3.62% | 4.44% | 3.23% | -147 bps | |
| Net Interest Margin | 4.24% | 4.54% | 4.52% | 4.34% | 4.23% | 4.36% | 4.18% | 4.29% | -5 bps | |
| Efficiency Ratio | 78.22% | 87.37% | 71.65% | 70.11% | 74.22% | 76.51% | 72.67% | 77.90% | +778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.60% | -5.86% | -9.19% | -8.25% | -4.66% | -0.44% | 4.21% | 1.61% | +987 bps | |
| Loan Growth (YoY) | -14.97% | -15.93% | -17.17% | -7.25% | -8.74% | -7.75% | -1.90% | -4.98% | +227 bps | |
| Share Growth (YoY) | -2.47% | -8.27% | -12.25% | -11.09% | -6.78% | -1.90% | 4.37% | 1.12% | +1,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 9.27% | 4.42% | 2.47% | 0.27% | 6.92% | 4.89% | 4.88% | +241 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 | 0.53% | 0.82% | 0.94% | 0.92% | 1.06% | 1.07% | 1.06% | 1.13% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.18% | 25.84% | 26.96% | 26.72% | 26.84% | 26.92% | 26.84% | 27.07% | +36 bps | |
| Net Worth / Assets | 25.18% | 25.84% | 26.96% | 26.72% | 26.84% | 26.92% | 26.84% | 27.07% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.73% | 75.62% | 75.31% | 77.62% | 72.18% | 71.10% | 70.79% | 72.94% | -468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norwood, MA · Charter 17112 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.86%
Rank 29 of 60
Net Interest Margin
4.31%
Rank 8 of 60
Efficiency Ratio
77.52%
Rank 32 of 60
Equity / Assets
27.08%
Rank 2 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.35% | 0.84% | 1.37% | Beats 52% | 29 / 60 | ||
| Return on Equity | 3.18% | 2.76% | 6.36% | 10.04% | Beats 27% | 44 / 60 | ||
| Net Interest Margin | 4.31% | 3.02% | 3.63% | 4.05% | Beats 87% | 8 / 60 | ||
| Efficiency Ratio | 77.52% | 67.68% | 77.48% | 89.33% | Beats 48% | 32 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.89% | 0.32% | 0.64% | 1.44% | Beats 5% | 58 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.08% | 10.72% | 13.16% | 17.68% | Beats 97% | 2 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 27.08% | 10.72% | 13.16% | 17.68% | Beats 97% | 2 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.93% | 43.79% | 55.03% | 72.55% | 77th pctl | 14 / 60 | ||
| Loans / Assets | 53.20% | 36.50% | 47.22% | 58.67% | 60th pctl | 24 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||