Fairhaven, MA · Charter 24254
NCUA · 12 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
44
Profitability
45
Liquidity
88
Efficiency
54
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.
Fairhaven, MA · Charter 24254
NCUA · 12 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 | 1.38% | 0.78% | 1.14% | 1.11% | 1.28% | 1.09% | 0.76% | 0.91% | -20 bps | |
| Return on Equity | 7.16% | 4.02% | 5.92% | 5.63% | 6.38% | 5.51% | 3.79% | 4.53% | -110 bps | |
| Net Interest Margin | 3.83% | 3.83% | 3.53% | 3.71% | 3.72% | 3.75% | 3.41% | 3.52% | -19 bps | |
| Efficiency Ratio | 68.86% | 69.13% | 74.49% | 71.77% | 69.84% | 71.44% | 81.32% | 76.90% | +513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.58% | -4.96% | -2.62% | -1.09% | 0.77% | 1.17% | 0.89% | 2.86% | +395 bps | |
| Loan Growth (YoY) | -16.42% | -17.73% | -18.65% | -18.13% | -16.44% | -16.08% | -15.52% | -9.38% | +875 bps | |
| Share Growth (YoY) | -11.92% | -6.76% | -3.19% | -1.69% | 0.49% | 1.26% | -0.44% | 2.33% | +402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.73% | 0.57% | 0.73% | 0.71% | 0.87% | 0.42% | 0.77% | +4 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 | 19.23% | 19.43% | 19.30% | 19.74% | 20.08% | 19.82% | 20.17% | 20.19% | +44 bps | |
| Net Worth / Assets | 19.23% | 19.43% | 19.30% | 19.74% | 20.08% | 19.82% | 20.17% | 20.19% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.83% | 92.04% | 85.14% | 81.54% | 79.69% | 76.28% | 72.24% | 72.21% | -933 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairhaven, MA · Charter 24254 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
Return on Assets
0.91%
Rank 667 of 1,683
Net Interest Margin
3.52%
Rank 1,105 of 1,683
Efficiency Ratio
76.90%
Rank 772 of 1,682
Equity / Assets
20.19%
Rank 217 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 667 / 1,683 | ||
| Return on Equity | 4.53% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,011 / 1,681 | ||
| Net Interest Margin | 3.52% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,105 / 1,683 | ||
| Efficiency Ratio | 76.90% | 68.91% | 78.20% | 86.93% | Beats 54% | 772 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.26% | 0.65% | 1.29% | Beats 44% | 939 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.19% | 10.44% | 12.89% | 16.53% | Beats 87% | 217 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.19% | 10.44% | 12.89% | 16.53% | Beats 87% | 217 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.21% | 52.61% | 69.38% | 83.50% | 55th pctl | 753 / 1,683 | ||
| Loans / Assets | 57.27% | 44.71% | 59.18% | 70.72% | 46th pctl | 908 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||