Woonsocket, RI · Charter 24523
NCUA · 2 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
48
Asset Quality
24
Profitability
79
Liquidity
23
Efficiency
76
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.
Woonsocket, RI · Charter 24523
NCUA · 2 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 | 1.22% | 1.02% | 0.96% | 1.19% | 1.16% | 0.84% | 0.83% | 1.05% | -15 bps | |
| Return on Equity | 11.43% | 9.56% | 8.94% | 10.77% | 10.03% | 7.54% | 7.51% | 9.18% | -159 bps | |
| Net Interest Margin | 3.50% | 3.38% | 3.54% | 3.66% | 3.72% | 3.42% | 3.57% | 3.68% | +2 bps | |
| Efficiency Ratio | 67.77% | 71.53% | 71.57% | 68.36% | 71.02% | 76.82% | 77.68% | 74.89% | +653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.02% | 2.02% | 0.54% | 1.20% | 1.17% | 4.03% | 4.95% | 4.27% | +307 bps | |
| Loan Growth (YoY) | 0.96% | 0.97% | 1.58% | 1.67% | 4.73% | 8.89% | 6.02% | 10.01% | +833 bps | |
| Share Growth (YoY) | 2.67% | 1.50% | -0.02% | 0.51% | -0.05% | 3.34% | 4.52% | 3.82% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.34% | 0.35% | 1.12% | 1.28% | 0.87% | 0.88% | 1.12% | -1 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 | 10.66% | 10.72% | 10.75% | 11.08% | 11.52% | 11.15% | 11.04% | 11.40% | +32 bps | |
| Net Worth / Assets | 10.66% | 10.72% | 10.75% | 11.08% | 11.52% | 11.15% | 11.04% | 11.40% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.13% | 43.26% | 43.20% | 43.91% | 46.25% | 45.58% | 43.82% | 46.53% | +262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Woonsocket, RI · Charter 24523 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 2 branches
Q2 2026
Return on Assets
1.05%
Rank 4 of 25
Net Interest Margin
3.68%
Rank 7 of 25
Efficiency Ratio
74.87%
Rank 7 of 25
Equity / Assets
11.40%
Rank 13 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.39% | 0.58% | 0.96% | Beats 84% | 4 / 25 | ||
| Return on Equity | 9.19% | 3.08% | 5.38% | 8.04% | Beats 80% | 5 / 25 | ||
| Net Interest Margin | 3.68% | 2.78% | 3.19% | 3.68% | Beats 72% | 7 / 25 | ||
| Efficiency Ratio | 74.87% | 74.87% | 81.63% | 89.25% | Beats 76% | 7 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.21% | 0.48% | 0.93% | Beats 24% | 20 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.40% | 9.94% | 11.40% | 12.51% | Beats 48% | 13 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.40% | 9.94% | 11.40% | 12.51% | Beats 48% | 13 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.53% | 54.80% | 74.79% | 86.25% | 20th pctl | 20 / 25 | ||
| Loans / Assets | 41.07% | 49.28% | 61.62% | 76.11% | 20th pctl | 20 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||