Gardner, MA · Charter 24279
NCUA · 10 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
12
Asset Quality
45
Profitability
9
Liquidity
45
Efficiency
16
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.
Gardner, MA · Charter 24279
NCUA · 10 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 | -0.25% | -0.23% | -0.20% | -0.05% | -0.05% | 0.01% | 0.30% | -0.14% | -9 bps | |
| Return on Equity | -2.48% | -2.27% | -2.04% | -0.52% | -0.55% | 0.12% | 3.34% | -1.54% | -101 bps | |
| Net Interest Margin | 1.90% | 1.99% | 2.31% | 2.36% | 2.30% | 2.33% | 2.72% | 2.78% | +42 bps | |
| Efficiency Ratio | 104.77% | 102.76% | 100.24% | 95.53% | 92.97% | 91.64% | 77.93% | 91.39% | -414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | 2.15% | -0.63% | 5.14% | 9.45% | 12.20% | 10.40% | 5.24% | +10 bps | |
| Loan Growth (YoY) | 19.05% | 20.89% | 20.28% | 21.58% | 24.24% | 23.67% | 23.06% | 14.96% | -662 bps | |
| Share Growth (YoY) | -4.11% | -5.36% | -4.14% | 3.56% | 11.65% | 14.86% | 12.28% | 11.84% | +828 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 0.91% | 1.46% | 1.54% | 0.41% | 0.41% | 0.42% | 0.75% | -78 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 | 10.12% | 10.19% | 9.96% | 9.68% | 9.15% | 9.08% | 9.06% | 9.16% | -52 bps | |
| Net Worth / Assets | 10.12% | 10.19% | 9.96% | 9.68% | 9.15% | 9.08% | 9.06% | 9.16% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.65% | 77.46% | 76.50% | 79.66% | 84.18% | 83.40% | 83.84% | 81.88% | +222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gardner, MA · Charter 24279 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
-0.14%
Rank 1,522 of 1,683
Net Interest Margin
2.78%
Rank 1,548 of 1,683
Efficiency Ratio
91.40%
Rank 1,422 of 1,682
Equity / Assets
9.16%
Rank 1,488 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.14% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,522 / 1,683 | ||
| Return on Equity | -1.54% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,535 / 1,681 | ||
| Net Interest Margin | 2.78% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,548 / 1,683 | ||
| Efficiency Ratio | 91.40% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,422 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 926 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.16% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,488 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.16% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,488 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.88% | 52.61% | 69.38% | 83.50% | 73rd pctl | 458 / 1,683 | ||
| Loans / Assets | 67.62% | 44.71% | 59.18% | 70.72% | 68th pctl | 536 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||