Taunton, MA · Charter 24511
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 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
60
Asset Quality
32
Profitability
76
Liquidity
87
Efficiency
80
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.
Taunton, MA · Charter 24511
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 | 1.90% | 1.63% | 0.14% | 0.86% | 1.10% | 1.20% | 1.13% | 0.85% | -1 bps | |
| Return on Equity | 16.68% | 14.72% | 1.33% | 7.69% | 9.47% | 9.91% | 9.42% | 7.00% | -69 bps | |
| Net Interest Margin | 5.03% | 4.63% | 3.50% | 3.85% | 4.00% | 4.19% | 4.11% | 4.05% | +20 bps | |
| Efficiency Ratio | 54.07% | 60.50% | 74.87% | 71.93% | 69.62% | 71.56% | 65.57% | 70.05% | -188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.29% | -3.27% | 3.47% | 5.49% | 7.99% | 1.19% | -0.20% | 2.04% | -345 bps | |
| Loan Growth (YoY) | 24.35% | 17.47% | 16.58% | 27.45% | 20.42% | 21.20% | 18.52% | 10.35% | -1,711 bps | |
| Share Growth (YoY) | -8.59% | -5.32% | 2.03% | 4.42% | 7.37% | -0.35% | -1.82% | 1.00% | -342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.28% | 0.03% | 0.03% | 0.01% | 0.01% | 0.66% | 0.90% | +87 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 | 0.62% | 0.14% | 0.45% | 0.32% | 0.29% | 0.17% | 0.33% | 0.34% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.39% | 11.07% | 10.56% | 11.17% | 11.65% | 12.15% | 11.98% | 12.11% | +94 bps | |
| Net Worth / Assets | 11.39% | 11.07% | 10.56% | 11.17% | 11.65% | 12.15% | 11.98% | 12.11% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.98% | 59.01% | 56.89% | 63.99% | 70.63% | 71.76% | 68.68% | 69.91% | +592 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Taunton, MA · Charter 24511 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
0.85%
Rank 9 of 25
Net Interest Margin
4.07%
Rank 1 of 25
Efficiency Ratio
69.82%
Rank 6 of 25
Equity / Assets
12.11%
Rank 10 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.39% | 0.58% | 0.96% | Beats 64% | 9 / 25 | ||
| Return on Equity | 7.04% | 3.08% | 5.38% | 8.04% | Beats 68% | 8 / 25 | ||
| Net Interest Margin | 4.07% | 2.78% | 3.19% | 3.68% | Beats 96% | 1 / 25 | ||
| Efficiency Ratio | 69.82% | 74.87% | 81.63% | 89.25% | Beats 80% | 6 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.21% | 0.48% | 0.93% | Beats 32% | 18 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.11% | 9.94% | 11.40% | 12.51% | Beats 60% | 10 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.11% | 9.94% | 11.40% | 12.51% | Beats 60% | 10 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.90% | 54.80% | 74.79% | 86.25% | 44th pctl | 14 / 25 | ||
| Loans / Assets | 61.24% | 49.28% | 61.62% | 76.11% | 40th pctl | 15 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||