Community & Teachers
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
$30.3MAssets
$18.7MLoans
$27.2MShares
$3.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 60% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 10 of 25).
- Widest gap: nonperforming loans / loans trails 64% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 17 of 25).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |