Springfield, MA · Charter 24566
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 (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
34
Asset Quality
62
Profitability
10
Liquidity
80
Efficiency
31
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.
Springfield, MA · Charter 24566
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 | 0.19% | -0.11% | 0.26% | 0.15% | 0.08% | 0.16% | 0.07% | 0.09% | -6 bps | |
| Return on Equity | 1.52% | -0.91% | 2.24% | 1.29% | 0.69% | 1.31% | 0.60% | 0.79% | -50 bps | |
| Net Interest Margin | 2.00% | 2.08% | 2.30% | 2.28% | 2.32% | 2.38% | 2.25% | 2.36% | +7 bps | |
| Efficiency Ratio | 92.67% | 102.11% | 75.22% | 82.04% | 86.92% | 84.66% | 87.09% | 84.45% | +241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.07% | -6.60% | -3.91% | 0.72% | 3.32% | 3.52% | 6.64% | 6.09% | +538 bps | |
| Loan Growth (YoY) | -3.13% | -1.58% | 0.43% | 2.11% | 0.75% | 4.00% | 7.83% | 10.48% | +837 bps | |
| Share Growth (YoY) | -1.71% | 0.59% | -4.75% | 0.94% | 3.52% | 3.25% | 6.79% | 6.05% | +510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.29% | 1.13% | 1.37% | 1.33% | 1.25% | 0.75% | 0.47% | -91 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 | 12.26% | 12.13% | 11.63% | 11.76% | 11.68% | 11.86% | 11.00% | 11.20% | -56 bps | |
| Net Worth / Assets | 12.26% | 12.13% | 11.63% | 11.76% | 11.68% | 11.86% | 11.00% | 11.20% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.46% | 73.56% | 69.93% | 71.06% | 70.52% | 74.09% | 70.61% | 74.03% | +297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MA · Charter 24566 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.09%
Rank 1,451 of 1,683
Net Interest Margin
2.36%
Rank 1,635 of 1,683
Efficiency Ratio
84.45%
Rank 1,162 of 1,682
Equity / Assets
11.20%
Rank 1,114 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,451 / 1,683 | ||
| Return on Equity | 0.79% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,445 / 1,681 | ||
| Net Interest Margin | 2.36% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,635 / 1,683 | ||
| Efficiency Ratio | 84.45% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,162 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.26% | 0.65% | 1.29% | Beats 62% | 641 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.20% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,114 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.20% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,114 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.03% | 52.61% | 69.38% | 83.50% | 59th pctl | 696 / 1,683 | ||
| Loans / Assets | 64.84% | 44.71% | 59.18% | 70.72% | 62nd pctl | 635 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||