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Massachusetts Family

Lynn, MA · Charter 24924

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

36

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Massachusetts Family

Lynn, MA · Charter 24924

NCUA · 2 branches

Q2 2026

$29.6MAssets
$23.2MLoans
$22.1MShares
$4.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.43%, up 8 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.01% of loans (-5 bps YoY).
  • Capital: net worth / assets of 16.33%, up 36 bps from a year ago.
  • Funding: loans stand at 105.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+19 bps YoY

Efficiency Ratio (YTD, annualized)

83.96%-357 bps YoY

Net Worth / Assets

16.33%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.36%0.39%0.36%0.43%+8 bps
Return on Equity2.21%2.29%2.45%2.17%2.64%+43 bps
Net Interest Margin2.81%2.78%2.86%2.96%3.00%+19 bps
Efficiency Ratio87.53%87.00%85.96%87.12%83.96%-357 bps
Growth
Asset Growth (YoY)5.90%6.01%4.59%3.32%0.54%-537 bps
Loan Growth (YoY)-2.79%-1.49%-3.71%-1.45%-1.36%+143 bps
Share Growth (YoY)0.53%1.76%-1.13%-3.90%1.55%+102 bps
Asset Quality
Delinquent Loans / Loans0.06%0.11%0.08%0.01%0.01%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.96%15.74%16.06%16.44%16.33%+36 bps
Net Worth / Assets15.96%15.74%16.06%16.44%16.33%+36 bps
Liquidity & Funding
Loans / Shares108.11%104.30%102.84%106.93%105.01%-311 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Massachusetts Family

Lynn, MA · Charter 24924 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 2 branches

Q2 2026

$29.6MAssets
$23.2MLoans
$22.1MShares
$4.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 11 of 66).
  • Widest gap: return on equity trails 74% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 49 of 66).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.43%

Rank 47 of 66

Net Interest Margin

3.00%

Rank 43 of 66

Efficiency Ratio

83.77%

Rank 43 of 66

Equity / Assets

16.33%

Rank 22 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.43%0.38%0.59%1.00%Beats 29%47 / 66
Return on Equity2.64%2.62%4.89%6.39%Beats 26%49 / 66
Net Interest Margin3.00%2.83%3.27%3.84%Beats 35%43 / 66
Efficiency Ratio83.77%68.43%80.15%87.18%Beats 36%43 / 66
Asset Quality
Nonperforming Loans / Loans0.01%0.08%0.48%1.18%Beats 85%11 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.33%9.84%13.79%17.21%Beats 67%22 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.33%9.84%13.79%17.21%Beats 67%22 / 66
Liquidity & Funding
Loans / Deposits105.01%50.73%71.54%81.61%94th pctl4 / 66
Loans / Assets78.16%40.53%57.05%68.92%91st pctl6 / 66
Brokered Deposits / Depositsn/aNot reported for this institution