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Smithfield, RI · Charter 62882 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$4.3BAssets
$3.8BLoans
$3.6BShares
$423.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions $1B-$10B in assets (rank 83 of 435).
- Widest gap: net interest margin trails 75% of credit unions $1B-$10B in assets (rank 327 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.80%
Rank 224 of 435
Net Interest Margin
3.01%
Rank 327 of 435
Efficiency Ratio
72.29%
Rank 230 of 435
Equity / Assets
9.89%
Rank 315 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.55% | 0.81% | 1.14% | Beats 49% | 224 / 435 | | |
| Return on Equity | 8.05% | 5.12% | 7.41% | 9.70% | Beats 57% | 189 / 435 | | |
| Net Interest Margin | 3.01% | 3.01% | 3.39% | 3.75% | Beats 25% | 327 / 435 | | |
| Efficiency Ratio | 72.29% | 65.25% | 71.39% | 77.86% | Beats 47% | 230 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.45% | 0.69% | 1.05% | Beats 81% | 83 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.89% | 9.81% | 10.84% | 12.63% | Beats 28% | 315 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.89% | 9.81% | 10.84% | 12.63% | Beats 28% | 315 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.34% | 78.33% | 88.38% | 95.61% | 93rd pctl | 30 / 435 | | |
| Loans / Assets | 87.62% | 67.69% | 74.58% | 80.80% | 96th pctl | 19 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |