Millbury, MA · Charter 24543
NCUA · 5 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 (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
17
Asset Quality
73
Profitability
21
Liquidity
36
Efficiency
17
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.
Millbury, MA · Charter 24543
NCUA · 5 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 | 0.43% | 0.41% | 0.26% | 0.35% | 0.39% | 0.39% | 0.31% | 0.30% | -5 bps | |
| Return on Equity | 4.97% | 4.68% | 2.92% | 3.82% | 4.11% | 4.12% | 3.31% | 3.03% | -79 bps | |
| Net Interest Margin | 2.63% | 2.66% | 2.81% | 2.84% | 2.95% | 2.94% | 2.94% | 3.03% | +19 bps | |
| Efficiency Ratio | 84.36% | 84.52% | 89.39% | 87.84% | 86.66% | 86.57% | 90.73% | 90.33% | +249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 2.55% | -0.59% | -0.25% | -3.25% | -2.94% | -1.38% | -3.79% | -354 bps | |
| Loan Growth (YoY) | -4.53% | -6.25% | -4.72% | -5.12% | -2.87% | -2.34% | -1.93% | 0.24% | +535 bps | |
| Share Growth (YoY) | 2.55% | 4.07% | -0.02% | -0.66% | -2.65% | -3.38% | -1.36% | -3.77% | -311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.47% | 0.27% | 0.37% | 0.45% | 0.38% | 0.29% | 0.29% | -8 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 | 8.75% | 8.81% | 8.96% | 9.03% | 9.40% | 9.44% | 9.46% | 9.73% | +69 bps | |
| Net Worth / Assets | 8.75% | 8.81% | 8.96% | 9.03% | 9.40% | 9.44% | 9.46% | 9.73% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.71% | 81.63% | 81.76% | 80.62% | 82.51% | 82.50% | 81.29% | 83.98% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Millbury, MA · Charter 24543 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.30%
Rank 1,314 of 1,683
Net Interest Margin
3.03%
Rank 1,441 of 1,683
Efficiency Ratio
90.34%
Rank 1,393 of 1,682
Equity / Assets
9.73%
Rank 1,392 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,314 / 1,683 | ||
| Return on Equity | 3.03% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,209 / 1,681 | ||
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,441 / 1,683 | ||
| Efficiency Ratio | 90.34% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,393 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 460 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.73% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,392 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.73% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,392 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.98% | 52.61% | 69.38% | 83.50% | 76th pctl | 405 / 1,683 | ||
| Loans / Assets | 75.23% | 44.71% | 59.18% | 70.72% | 83rd pctl | 278 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||