Rockland, MA · Charter 24224
NCUA · 9 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
82
Profitability
29
Liquidity
2
Efficiency
76
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.
Rockland, MA · Charter 24224
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.83% | 0.78% | 0.53% | 0.70% | +8 bps | |
| Return on Equity | 5.76% | 7.68% | 7.19% | 5.03% | 6.84% | +108 bps | |
| Net Interest Margin | 2.33% | 2.33% | 2.35% | 2.35% | 2.41% | +8 bps | |
| Efficiency Ratio | 65.40% | 62.90% | 64.18% | 71.67% | 65.03% | -37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.20% | 8.12% | 6.59% | 13.82% | 14.74% | +654 bps | |
| Loan Growth (YoY) | 7.70% | 4.74% | 2.75% | 6.36% | 10.85% | +315 bps | |
| Share Growth (YoY) | 7.14% | 7.57% | 8.07% | 13.16% | 14.17% | +703 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.42% | 0.45% | 0.34% | 0.38% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.77% | 10.78% | 10.89% | 10.45% | 10.25% | -52 bps | |
| Net Worth / Assets | 10.77% | 10.78% | 10.89% | 10.45% | 10.25% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.11% | 102.65% | 100.52% | 97.70% | 102.06% | -305 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rockland, MA · Charter 24224 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
0.70%
Rank 270 of 435
Net Interest Margin
2.41%
Rank 408 of 435
Efficiency Ratio
65.03%
Rank 106 of 435
Equity / Assets
10.25%
Rank 282 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 38% | 270 / 435 | |
| Return on Equity | 6.84% | 5.12% | 7.41% | 9.70% | Beats 43% | 247 / 435 | |
| Net Interest Margin | 2.41% | 3.01% | 3.39% | 3.75% | Beats 6% | 408 / 435 | |
| Efficiency Ratio | 65.03% | 65.25% | 71.39% | 77.86% | Beats 76% | 106 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.45% | 0.69% | 1.05% | Beats 82% | 79 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.25% | 9.81% | 10.84% | 12.63% | Beats 35% | 282 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.25% | 9.81% | 10.84% | 12.63% | Beats 35% | 282 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.06% | 78.33% | 88.38% | 95.61% | 89th pctl | 50 / 435 | |
| Loans / Assets | 88.49% | 67.69% | 74.58% | 80.80% | 97th pctl | 15 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||