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New England Teamsters

Charlestown, MA · Charter 21507

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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

58

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 Teamsters

Charlestown, MA · Charter 21507

NCUA · 1 branch

Q2 2026

$74.8MAssets
$26.7MLoans
$66.5MShares
$9.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, up 19 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 2.08% of loans (+68 bps YoY).
  • Capital: net worth / assets of 12.90%, up 101 bps from a year ago.
  • Funding: loans stand at 40.09% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.88%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+21 bps YoY

Efficiency Ratio (YTD, annualized)

77.52%-253 bps YoY

Net Worth / Assets

12.90%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.16%0.81%0.69%0.73%0.66%0.98%0.88%+19 bps
Return on Equity11.19%9.33%6.60%5.82%5.97%5.16%7.70%6.84%+102 bps
Net Interest Margin3.48%3.46%3.02%2.80%2.97%3.02%2.94%3.01%+21 bps
Efficiency Ratio63.40%67.57%78.87%80.05%79.25%81.68%76.23%77.52%-253 bps
Growth
Asset Growth (YoY)-4.21%-4.14%-0.28%5.30%5.02%1.82%1.99%-2.69%-799 bps
Loan Growth (YoY)-2.04%-2.22%-2.21%-5.66%-1.76%-3.76%-4.19%-1.79%+387 bps
Share Growth (YoY)-7.51%-5.60%-2.23%3.59%4.10%-0.18%0.64%-4.10%-769 bps
Asset Quality
Delinquent Loans / Loans3.33%2.07%1.40%1.41%1.42%1.48%1.73%2.08%+68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.21%12.38%12.28%11.89%12.24%12.76%12.68%12.90%+101 bps
Net Worth / Assets12.21%12.38%12.28%11.89%12.24%12.76%12.68%12.90%+101 bps
Liquidity & Funding
Loans / Shares43.25%43.10%41.61%39.15%40.81%41.55%39.61%40.09%+95 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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 Teamsters

Charlestown, MA · Charter 21507 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$74.8MAssets
$26.7MLoans
$66.5MShares
$9.7MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 79% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 14 of 66).
  • Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 63 of 66).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.88%

Rank 21 of 66

Net Interest Margin

3.02%

Rank 41 of 66

Efficiency Ratio

77.48%

Rank 29 of 66

Equity / Assets

12.90%

Rank 39 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.88%0.38%0.59%1.00%Beats 68%21 / 66
Return on Equity6.84%2.62%4.89%6.39%Beats 79%14 / 66
Net Interest Margin3.02%2.83%3.27%3.84%Beats 38%41 / 66
Efficiency Ratio77.48%68.43%80.15%87.18%Beats 58%29 / 66
Asset Quality
Nonperforming Loans / Loans2.08%0.08%0.48%1.18%Beats 6%63 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.90%9.84%13.79%17.21%Beats 41%39 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.90%9.84%13.79%17.21%Beats 41%39 / 66
Liquidity & Funding
Loans / Deposits40.09%50.73%71.54%81.61%14th pctl57 / 66
Loans / Assets35.63%40.53%57.05%68.92%20th pctl53 / 66
Brokered Deposits / Depositsn/aNot reported for this institution