Littleton, MA · Charter 24923
NCUA · 14 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
40
Profitability
1
Liquidity
0
Efficiency
1
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.
Littleton, MA · Charter 24923
NCUA · 14 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 | -0.84% | -3.15% | -0.51% | -0.42% | -0.19% | -0.36% | -0.17% | -0.21% | +21 bps | |
| Return on Equity | -6.37% | -28.97% | -4.72% | -3.86% | -1.80% | -3.51% | -1.68% | -2.05% | +181 bps | |
| Net Interest Margin | 1.51% | 1.50% | 1.78% | 1.85% | 1.90% | 1.91% | 2.00% | 2.00% | +15 bps | |
| Efficiency Ratio | 117.82% | 841% | 103.10% | 97.95% | 93.57% | 100.21% | 101.98% | 101.49% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.77% | -6.43% | -6.01% | -1.44% | -4.07% | 0.83% | 2.63% | 2.23% | +367 bps | |
| Loan Growth (YoY) | 3.77% | 3.85% | 5.78% | 14.05% | 10.07% | 15.25% | 16.06% | 8.68% | -538 bps | |
| Share Growth (YoY) | 5.50% | 0.18% | 0.05% | 2.62% | -1.09% | -0.69% | 1.04% | 1.57% | -105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 1.84% | 1.61% | 1.46% | 1.27% | 1.21% | 1.04% | 0.81% | -64 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 | 13.14% | 10.88% | 10.86% | 10.82% | 10.76% | 10.17% | 10.04% | 10.05% | -76 bps | |
| Net Worth / Assets | 13.14% | 10.88% | 10.86% | 10.82% | 10.76% | 10.17% | 10.04% | 10.05% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.60% | 90.93% | 92.56% | 97.65% | 101.93% | 105.52% | 106.32% | 104.49% | +684 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Littleton, MA · Charter 24923 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
-0.21%
Rank 430 of 435
Net Interest Margin
2.00%
Rank 426 of 435
Efficiency Ratio
101.49%
Rank 432 of 435
Equity / Assets
10.05%
Rank 298 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.21% | 0.55% | 0.81% | 1.14% | Beats 1% | 430 / 435 | ||
| Return on Equity | -2.05% | 5.12% | 7.41% | 9.70% | Beats 1% | 429 / 435 | ||
| Net Interest Margin | 2.00% | 3.01% | 3.39% | 3.75% | Beats 2% | 426 / 435 | ||
| Efficiency Ratio | 101.49% | 65.25% | 71.39% | 77.86% | Beats 1% | 432 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 40% | 264 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.05% | 9.81% | 10.84% | 12.63% | Beats 31% | 298 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.05% | 9.81% | 10.84% | 12.63% | Beats 31% | 298 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.49% | 78.33% | 88.38% | 95.61% | 93rd pctl | 29 / 435 | ||
| Loans / Assets | 78.36% | 67.69% | 74.58% | 80.80% | 63rd pctl | 162 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||