East Providence, RI · Charter 24730
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
52
Asset Quality
36
Profitability
48
Liquidity
83
Efficiency
44
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.
East Providence, RI · Charter 24730
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.58% | 0.51% | 0.63% | 0.53% | -3 bps | |
| Return on Equity | 5.17% | 5.22% | 4.58% | 5.55% | 4.57% | -60 bps | |
| Net Interest Margin | 3.46% | 3.59% | 3.67% | 3.45% | 3.51% | +5 bps | |
| Efficiency Ratio | 85.05% | 85.04% | 87.03% | 82.99% | 85.88% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 5.64% | 2.56% | 0.49% | -3.16% | -570 bps | |
| Loan Growth (YoY) | -0.71% | -0.22% | -1.39% | -2.29% | -5.67% | -496 bps | |
| Share Growth (YoY) | 2.15% | 5.75% | 2.36% | 0.04% | -3.87% | -602 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.34% | 1.31% | 0.11% | 0.91% | 0.79% | -255 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.77% | 11.09% | 11.23% | 11.33% | 11.62% | +85 bps | |
| Net Worth / Assets | 10.77% | 11.09% | 11.23% | 11.33% | 11.62% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.94% | 72.30% | 72.69% | 70.33% | 68.63% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
East Providence, RI · Charter 24730 · 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
0.53%
Rank 14 of 25
Net Interest Margin
3.51%
Rank 10 of 25
Efficiency Ratio
85.79%
Rank 15 of 25
Equity / Assets
11.62%
Rank 12 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.39% | 0.58% | 0.96% | Beats 44% | 14 / 25 | |
| Return on Equity | 4.54% | 3.08% | 5.38% | 8.04% | Beats 40% | 15 / 25 | |
| Net Interest Margin | 3.51% | 2.78% | 3.19% | 3.68% | Beats 60% | 10 / 25 | |
| Efficiency Ratio | 85.79% | 74.87% | 81.63% | 89.25% | Beats 44% | 15 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.79% | 0.21% | 0.48% | 0.93% | Beats 36% | 17 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.62% | 9.94% | 11.40% | 12.51% | Beats 52% | 12 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.62% | 9.94% | 11.40% | 12.51% | Beats 52% | 12 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.63% | 54.80% | 74.79% | 86.25% | 36th pctl | 16 / 25 | |
| Loans / Assets | 61.52% | 49.28% | 61.62% | 76.11% | 44th pctl | 14 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||