Warwick, RI · Charter 24501
NCUA · 3 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
64
Asset Quality
28
Profitability
35
Liquidity
56
Efficiency
40
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.
Warwick, RI · Charter 24501
NCUA · 3 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 | 0.47% | 0.51% | 0.49% | 0.59% | 0.47% | 0 bps | |
| Return on Equity | 3.76% | 4.00% | 3.87% | 4.80% | 3.81% | +5 bps | |
| Net Interest Margin | 3.10% | 3.16% | 3.17% | 3.10% | 3.08% | -2 bps | |
| Efficiency Ratio | 85.40% | 83.83% | 83.97% | 83.07% | 85.86% | +45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.70% | 1.12% | 0.87% | 2.88% | 6.20% | +350 bps | |
| Loan Growth (YoY) | -0.72% | -1.84% | -2.39% | -2.97% | 0.44% | +117 bps | |
| Share Growth (YoY) | 2.60% | 0.99% | 0.46% | 2.71% | 6.53% | +394 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.39% | 1.02% | 0.29% | 0.93% | -3 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 | 12.55% | 12.70% | 12.68% | 12.36% | 12.30% | -25 bps | |
| Net Worth / Assets | 12.55% | 12.70% | 12.68% | 12.36% | 12.30% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.96% | 62.06% | 60.34% | 57.18% | 58.42% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warwick, RI · Charter 24501 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 3 branches
Q2 2026
Return on Assets
0.47%
Rank 17 of 25
Net Interest Margin
3.07%
Rank 15 of 25
Efficiency Ratio
85.90%
Rank 16 of 25
Equity / Assets
12.30%
Rank 9 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.39% | 0.58% | 0.96% | Beats 32% | 17 / 25 | |
| Return on Equity | 3.81% | 3.08% | 5.38% | 8.04% | Beats 32% | 17 / 25 | |
| Net Interest Margin | 3.07% | 2.78% | 3.19% | 3.68% | Beats 40% | 15 / 25 | |
| Efficiency Ratio | 85.90% | 74.87% | 81.63% | 89.25% | Beats 40% | 16 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.21% | 0.48% | 0.93% | Beats 28% | 19 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.30% | 9.94% | 11.40% | 12.51% | Beats 64% | 9 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.30% | 9.94% | 11.40% | 12.51% | Beats 64% | 9 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.42% | 54.80% | 74.79% | 86.25% | 28th pctl | 18 / 25 | |
| Loans / Assets | 50.96% | 49.28% | 61.62% | 76.11% | 28th pctl | 18 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||