Cranston, RI · Charter 60780
NCUA · 2 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 under $1B in assets in the Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
80
Profitability
7
Liquidity
65
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.
Cranston, RI · Charter 60780
NCUA · 2 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 | -0.29% | -0.18% | 0.14% | -0.23% | -0.36% | -0.45% | -0.85% | -0.67% | -44 bps | |
| Return on Equity | -1.50% | -0.95% | 0.71% | -1.19% | -1.86% | -2.39% | -4.48% | -3.60% | -241 bps | |
| Net Interest Margin | 2.06% | 2.14% | 2.49% | 2.51% | 2.55% | 2.51% | 2.51% | 2.55% | +4 bps | |
| Efficiency Ratio | 110.98% | 106.54% | 93.78% | 103.89% | 106.42% | 108.64% | 127.59% | 119.76% | +1,587 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.98% | -3.56% | -1.26% | -2.15% | -2.42% | -1.35% | -1.29% | 0.66% | +281 bps | |
| Loan Growth (YoY) | -2.32% | -6.03% | -5.58% | -7.24% | -7.96% | -7.11% | -3.62% | -1.94% | +530 bps | |
| Share Growth (YoY) | -2.54% | 2.51% | -2.45% | -2.76% | -2.80% | -2.20% | -0.31% | 2.70% | +547 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.06% | 0.08% | 0.03% | 0.18% | 0.30% | 0.23% | 0.21% | +18 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 | 19.13% | 19.15% | 19.41% | 19.35% | 19.34% | 18.94% | 18.94% | 18.53% | -82 bps | |
| Net Worth / Assets | 19.13% | 19.15% | 19.41% | 19.35% | 19.34% | 18.94% | 18.94% | 18.53% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.81% | 86.38% | 87.25% | 86.55% | 85.04% | 82.04% | 84.36% | 82.63% | -392 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cranston, RI · Charter 60780 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.67%
Rank 24 of 25
Net Interest Margin
2.55%
Rank 22 of 25
Efficiency Ratio
119.69%
Rank 24 of 25
Equity / Assets
18.53%
Rank 2 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.67% | 0.39% | 0.58% | 0.96% | Beats 4% | 24 / 25 | ||
| Return on Equity | -3.60% | 3.08% | 5.38% | 8.04% | Beats 4% | 24 / 25 | ||
| Net Interest Margin | 2.55% | 2.78% | 3.19% | 3.68% | Beats 12% | 22 / 25 | ||
| Efficiency Ratio | 119.69% | 74.87% | 81.63% | 89.25% | Beats 8% | 24 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.48% | 0.93% | Beats 80% | 6 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.53% | 9.94% | 11.40% | 12.51% | Beats 92% | 2 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.53% | 9.94% | 11.40% | 12.51% | Beats 92% | 2 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.63% | 54.80% | 74.79% | 86.25% | 64th pctl | 9 / 25 | ||
| Loans / Assets | 61.62% | 49.28% | 61.62% | 76.11% | 48th pctl | 13 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||