Millbury
Millbury, MA · Charter 24543 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$468.2MAssets
$352.2MLoans
$419.4MShares
$45.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets (rank 460 of 1682).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets (rank 1441 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |