Cambridge, MA · Charter 24959
NCUA · 6 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
9
Asset Quality
21
Profitability
12
Liquidity
0
Efficiency
8
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.
Cambridge, MA · Charter 24959
NCUA · 6 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 | 0.05% | 0.07% | 0.31% | 0.32% | 0.29% | 0.29% | 0.23% | 0.28% | -4 bps | |
| Return on Equity | 0.58% | 0.84% | 3.59% | 3.65% | 3.31% | 3.33% | 2.69% | 3.19% | -46 bps | |
| Net Interest Margin | 2.37% | 2.36% | 2.52% | 2.55% | 2.59% | 2.60% | 2.70% | 2.76% | +20 bps | |
| Efficiency Ratio | 92.56% | 91.83% | 83.75% | 83.50% | 84.61% | 83.99% | 86.46% | 85.08% | +158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 1.32% | 1.69% | 1.33% | 2.47% | 1.56% | +24 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -2.78% | -2.17% | -2.64% | -0.48% | -2.76% | +2 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 4.49% | 5.20% | 4.03% | 5.17% | 5.16% | +68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.71% | 0.84% | 0.96% | 0.89% | 0.79% | 0.83% | 1.13% | +17 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 | 8.68% | 8.55% | 8.61% | 8.71% | 8.76% | 8.69% | 8.64% | 8.81% | +10 bps | |
| Net Worth / Assets | 8.68% | 8.55% | 8.61% | 8.71% | 8.76% | 8.69% | 8.64% | 8.81% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 125.48% | 119.65% | 119.69% | 117.98% | 116.69% | 111.97% | 113.26% | 109.09% | -889 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cambridge, MA · Charter 24959 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
Return on Assets
0.28%
Rank 397 of 435
Net Interest Margin
2.76%
Rank 375 of 435
Efficiency Ratio
85.08%
Rank 403 of 435
Equity / Assets
8.81%
Rank 397 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.55% | 0.81% | 1.14% | Beats 9% | 397 / 435 | ||
| Return on Equity | 3.19% | 5.12% | 7.41% | 9.70% | Beats 12% | 381 / 435 | ||
| Net Interest Margin | 2.76% | 3.01% | 3.39% | 3.75% | Beats 14% | 375 / 435 | ||
| Efficiency Ratio | 85.08% | 65.25% | 71.39% | 77.86% | Beats 8% | 403 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.13% | 0.45% | 0.69% | 1.05% | Beats 21% | 344 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.81% | 9.81% | 10.84% | 12.63% | Beats 9% | 397 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.81% | 9.81% | 10.84% | 12.63% | Beats 9% | 397 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.09% | 78.33% | 88.38% | 95.61% | 97th pctl | 11 / 435 | ||
| Loans / Assets | 81.42% | 67.69% | 74.58% | 80.80% | 78th pctl | 95 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||