Cumberland, RI · Charter 24486
NCUA · 1 branch
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
85
Asset Quality
35
Profitability
19
Liquidity
18
Efficiency
24
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.
Cumberland, RI · Charter 24486
NCUA · 1 branch
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 | 0.80% | 0.75% | 0.75% | 0.64% | 0.65% | 0.50% | 0.38% | 0.37% | -28 bps | |
| Return on Equity | 4.09% | 3.79% | 3.78% | 3.22% | 3.14% | 2.45% | 1.96% | 1.90% | -132 bps | |
| Net Interest Margin | 3.40% | 3.34% | 2.96% | 3.04% | 3.20% | 3.17% | 2.92% | 2.88% | -16 bps | |
| Efficiency Ratio | 74.80% | 75.38% | 84.20% | 83.56% | 82.30% | 84.74% | 87.09% | 87.37% | +382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.07% | -0.29% | 0.40% | -0.90% | -2.98% | -1.73% | 4.13% | 5.34% | +624 bps | |
| Loan Growth (YoY) | -0.13% | 4.81% | 2.48% | -2.89% | -0.51% | -4.85% | -3.21% | -5.79% | -290 bps | |
| Share Growth (YoY) | 0.01% | -1.75% | -1.04% | -2.06% | -4.61% | -2.54% | 5.04% | 6.48% | +854 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.95% | 0.15% | 0.57% | 0.14% | 1.13% | 0.12% | 0.95% | +39 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 | 0.14% | 0.23% | 0.07% | 0.07% | 0.11% | 0.23% | 0.23% | 0.25% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.55% | 19.72% | 19.78% | 19.93% | 20.79% | 20.57% | 19.38% | 19.26% | -66 bps | |
| Net Worth / Assets | 19.55% | 19.72% | 19.78% | 19.93% | 20.79% | 20.57% | 19.38% | 19.26% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.78% | 51.35% | 50.86% | 49.98% | 52.96% | 50.13% | 46.87% | 44.22% | -576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cumberland, RI · Charter 24486 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.37%
Rank 1,243 of 1,683
Net Interest Margin
2.88%
Rank 1,511 of 1,683
Efficiency Ratio
87.22%
Rank 1,274 of 1,682
Equity / Assets
19.26%
Rank 258 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,243 / 1,683 | ||
| Return on Equity | 1.93% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,352 / 1,681 | ||
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,511 / 1,683 | ||
| Efficiency Ratio | 87.22% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,274 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.96% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,099 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.26% | 10.44% | 12.89% | 16.53% | Beats 85% | 258 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.26% | 10.44% | 12.89% | 16.53% | Beats 85% | 258 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.23% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,419 / 1,683 | ||
| Loans / Assets | 35.35% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,461 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||