Somerset, MA · Charter 24239
NCUA · 2 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 under $1B in assets in the Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
84
Profitability
43
Liquidity
100
Efficiency
60
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.
Somerset, MA · Charter 24239
NCUA · 2 branches
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 | 0.62% | 0.56% | 0.43% | 0.48% | 0.63% | 0.63% | 0.66% | 0.69% | +22 bps | |
| Return on Equity | 5.04% | 4.38% | 3.37% | 3.74% | 4.99% | 5.07% | 5.31% | 5.54% | +180 bps | |
| Net Interest Margin | 2.71% | 2.65% | 2.53% | 2.64% | 2.62% | 2.59% | 2.72% | 2.78% | +15 bps | |
| Efficiency Ratio | 80.30% | 81.99% | 87.02% | 84.79% | 80.71% | 80.70% | 80.08% | 79.52% | -528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 0.46% | 3.22% | 4.89% | 5.75% | 9.35% | 8.10% | 8.30% | +341 bps | |
| Loan Growth (YoY) | 7.53% | 4.30% | 4.58% | 6.62% | 8.63% | 12.06% | 10.33% | 8.98% | +236 bps | |
| Share Growth (YoY) | 2.24% | 5.04% | 6.92% | 4.94% | 3.81% | 6.62% | 8.03% | 8.31% | +337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.46% | 0.17% | 0.21% | 0.09% | 0.17% | 0.07% | 0.19% | -2 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.32% | 12.84% | 12.66% | 12.75% | 12.66% | 12.37% | 12.40% | 12.51% | -23 bps | |
| Net Worth / Assets | 12.32% | 12.84% | 12.66% | 12.75% | 12.66% | 12.37% | 12.40% | 12.51% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.57% | 72.18% | 72.18% | 74.33% | 76.98% | 75.86% | 73.71% | 74.79% | +46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Somerset, MA · Charter 24239 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 2 branches
Q2 2026
Return on Assets
0.69%
Rank 12 of 25
Net Interest Margin
2.78%
Rank 19 of 25
Efficiency Ratio
79.52%
Rank 11 of 25
Equity / Assets
12.51%
Rank 7 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.39% | 0.58% | 0.96% | Beats 52% | 12 / 25 | ||
| Return on Equity | 5.54% | 3.08% | 5.38% | 8.04% | Beats 52% | 12 / 25 | ||
| Net Interest Margin | 2.78% | 2.78% | 3.19% | 3.68% | Beats 24% | 19 / 25 | ||
| Efficiency Ratio | 79.52% | 74.87% | 81.63% | 89.25% | Beats 60% | 11 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.21% | 0.48% | 0.93% | Beats 84% | 5 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.51% | 9.94% | 11.40% | 12.51% | Beats 72% | 7 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.51% | 9.94% | 11.40% | 12.51% | Beats 72% | 7 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.79% | 54.80% | 74.79% | 86.25% | 48th pctl | 13 / 25 | ||
| Loans / Assets | 66.13% | 49.28% | 61.62% | 76.11% | 60th pctl | 10 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||