Umassfive College
Hadley, MA · Charter 18181 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$702.7MAssets
$541.9MLoans
$632.2MShares
$67.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 46% of credit unions under $1B in assets (rank 908 of 1681).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets (rank 1401 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.52%
Rank 1,103 of 1,683
Net Interest Margin
3.63%
Rank 1,008 of 1,683
Efficiency Ratio
83.24%
Rank 1,104 of 1,682
Equity / Assets
9.66%
Rank 1,401 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,103 / 1,683 | | |
| Return on Equity | 5.43% | 2.67% | 5.89% | 8.74% | Beats 46% | 908 / 1,681 | | |
| Net Interest Margin | 3.63% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,008 / 1,683 | | |
| Efficiency Ratio | 83.24% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,104 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,137 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.66% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,401 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.66% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,401 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.73% | 52.61% | 69.38% | 83.50% | 79th pctl | 354 / 1,683 | | |
| Loans / Assets | 77.12% | 44.71% | 59.18% | 70.72% | 87th pctl | 216 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |