Belmont, MA · Charter 4192
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 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.
Capital
86
Asset Quality
9
Profitability
93
Liquidity
55
Efficiency
94
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.
Belmont, MA · Charter 4192
NCUA · 1 branch
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 | 1.45% | 1.43% | -0.36% | 0.82% | 0.43% | 0.58% | 1.99% | 1.97% | +114 bps | |
| Return on Equity | 7.02% | 6.52% | -1.68% | 3.76% | 1.93% | 2.54% | 8.69% | 8.58% | +482 bps | |
| Net Interest Margin | 5.60% | 5.87% | 5.63% | 5.74% | 5.90% | 5.90% | 5.33% | 5.34% | -40 bps | |
| Efficiency Ratio | 68.01% | 68.22% | 71.00% | 68.35% | 76.06% | 77.63% | 62.69% | 60.16% | -819 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.06% | -13.37% | -8.87% | -7.36% | -5.01% | -1.17% | -2.33% | 0.38% | +775 bps | |
| Loan Growth (YoY) | 2.35% | -2.74% | -1.91% | -1.13% | -11.86% | -12.10% | -15.37% | -14.06% | -1,293 bps | |
| Share Growth (YoY) | -23.09% | -17.86% | -12.19% | -10.56% | -7.08% | -1.81% | -4.00% | -0.54% | +1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.64% | 0.22% | 0.58% | 0.22% | 0.41% | 0.19% | 1.73% | +115 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 | 1.14% | 1.16% | 1.09% | 1.17% | 1.26% | 1.35% | 1.34% | 1.30% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.59% | 21.90% | 21.23% | 21.87% | 22.27% | 22.74% | 22.89% | 22.91% | +105 bps | |
| Net Worth / Assets | 20.59% | 21.90% | 21.23% | 21.87% | 22.27% | 22.74% | 22.89% | 22.91% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.98% | 92.38% | 94.42% | 93.67% | 85.35% | 82.71% | 83.24% | 80.95% | -1,273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Belmont, MA · Charter 4192 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 1 branch
Q2 2026
Return on Assets
1.99%
Rank 3 of 66
Net Interest Margin
5.32%
Rank 2 of 66
Efficiency Ratio
60.61%
Rank 5 of 66
Equity / Assets
22.91%
Rank 9 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.99% | 0.38% | 0.59% | 1.00% | Beats 95% | 3 / 66 | ||
| Return on Equity | 8.68% | 2.62% | 4.89% | 6.39% | Beats 88% | 8 / 66 | ||
| Net Interest Margin | 5.32% | 2.83% | 3.27% | 3.84% | Beats 97% | 2 / 66 | ||
| Efficiency Ratio | 60.61% | 68.43% | 80.15% | 87.18% | Beats 94% | 5 / 66 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.73% | 0.08% | 0.48% | 1.18% | Beats 9% | 61 / 66 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.91% | 9.84% | 13.79% | 17.21% | Beats 86% | 9 / 66 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.91% | 9.84% | 13.79% | 17.21% | Beats 86% | 9 / 66 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.94% | 50.73% | 71.54% | 81.61% | 71st pctl | 19 / 66 | ||
| Loans / Assets | 62.26% | 40.53% | 57.05% | 68.92% | 58th pctl | 28 / 66 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||