Springfield, MA · Charter 61189
NCUA · 4 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 (n=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
73
Profitability
4
Liquidity
0
Efficiency
1
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.
Springfield, MA · Charter 61189
NCUA · 4 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.01% | -0.04% | -0.03% | -0.20% | -0.26% | -0.25% | -1.14% | -111 bps | |
| Return on Equity | -0.43% | -0.14% | -0.51% | -0.37% | -2.33% | -3.36% | -3.24% | -16.31% | -1,594 bps | |
| Net Interest Margin | 2.57% | 2.46% | 2.43% | 2.45% | 2.59% | 2.43% | 2.55% | 2.65% | +20 bps | |
| Efficiency Ratio | 101.32% | 98.40% | 99.01% | 98.70% | 103.56% | 106.33% | 105.68% | 132.87% | +3,418 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | 4.63% | 8.18% | 6.97% | 9.81% | 11.96% | 8.47% | 6.62% | -35 bps | |
| Loan Growth (YoY) | 1.09% | 8.25% | 7.48% | 6.33% | 9.36% | 10.94% | 16.21% | 15.15% | +882 bps | |
| Share Growth (YoY) | -2.99% | 4.30% | 5.35% | 6.59% | 9.47% | 12.99% | 10.69% | 8.33% | +174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.07% | 0.61% | 0.34% | 0.19% | 0.72% | 0.39% | 0.32% | -2 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 | 9.39% | 8.96% | 8.76% | 8.79% | 8.37% | 7.74% | 7.79% | 7.00% | -179 bps | |
| Net Worth / Assets | 9.39% | 8.96% | 8.76% | 8.79% | 8.37% | 7.74% | 7.79% | 7.00% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.42% | 89.78% | 90.26% | 89.94% | 88.33% | 88.15% | 94.76% | 95.61% | +566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MA · Charter 61189 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 4 branches
Q4 2025
Return on Assets
-1.14%
Rank 1,582 of 1,625
Net Interest Margin
2.65%
Rank 1,493 of 1,625
Efficiency Ratio
132.86%
Rank 1,600 of 1,622
Equity / Assets
7.00%
Rank 1,605 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.14% | 0.37% | 0.76% | 1.21% | Beats 3% | 1,582 / 1,625 | ||
| Return on Equity | -16.31% | 2.80% | 6.06% | 8.96% | Beats 2% | 1,593 / 1,623 | ||
| Net Interest Margin | 2.65% | 3.25% | 3.80% | 4.36% | Beats 8% | 1,493 / 1,625 | ||
| Efficiency Ratio | 132.86% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,600 / 1,622 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.28% | 0.70% | 1.35% | Beats 73% | 441 / 1,623 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.00% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,606 / 1,625 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.00% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,605 / 1,624 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.61% | 54.72% | 71.33% | 84.54% | 93rd pctl | 121 / 1,624 | ||
| Loans / Assets | 79.75% | 46.04% | 60.45% | 71.73% | 91st pctl | 149 / 1,624 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||