Belmont Municipal 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
$3.7M Assets
$2.3M Loans
$2.9M Shares
$853K Net Worth
Executive Summary Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 2 of 66). Widest gap: nonperforming loans / loans trails 91% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 61 of 66). Overall: at or above the peer median on 6 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11