Health Alliance
Somerville, MA · Charter 17679 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 1 branch
Q2 2026
$6.0MAssets
$4.0MLoans
$4.9MShares
$973KNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 66).
- Widest gap: nonperforming loans / loans trails 85% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 57 of 66).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.34%
Rank 2 of 66
Net Interest Margin
6.43%
Rank 1 of 66
Efficiency Ratio
61.31%
Rank 6 of 66
Equity / Assets
16.28%
Rank 23 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.34% | 0.38% | 0.59% | 1.00% | Beats 97% | 2 / 66 | |
| Return on Equity | 14.39% | 2.62% | 4.89% | 6.39% | Beats 98% | 1 / 66 | |
| Net Interest Margin | 6.43% | 2.83% | 3.27% | 3.84% | Beats 98% | 1 / 66 | |
| Efficiency Ratio | 61.31% | 68.43% | 80.15% | 87.18% | Beats 92% | 6 / 66 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.51% | 0.08% | 0.48% | 1.18% | Beats 15% | 57 / 66 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.28% | 9.84% | 13.79% | 17.21% | Beats 65% | 23 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.28% | 9.84% | 13.79% | 17.21% | Beats 65% | 23 / 66 | |
| Liquidity & Funding |
| Loans / Deposits | 81.56% | 50.73% | 71.54% | 81.61% | 73rd pctl | 18 / 66 | |
| Loans / Assets | 67.50% | 40.53% | 57.05% | 68.92% | 70th pctl | 20 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |