Wave
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
$156.8MAssets
$79.9MLoans
$136.8MShares
$19.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 64% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 9 of 25).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 19 of 25).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |