Newport, VT · Charter 64462
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
77
Profitability
36
Liquidity
61
Efficiency
9
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.
Newport, VT · Charter 64462
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 | 0.10% | -0.40% | -0.53% | -0.51% | -0.51% | -0.64% | 0.02% | 0.13% | +65 bps | |
| Return on Equity | 0.95% | -3.94% | -5.58% | -5.50% | -5.61% | -7.21% | 0.17% | 1.51% | +701 bps | |
| Net Interest Margin | 4.56% | 4.81% | 3.95% | 4.02% | 3.93% | 4.09% | 4.25% | 4.29% | +27 bps | |
| Efficiency Ratio | 93.21% | 94.46% | 111.45% | 108.06% | 107.14% | 105.81% | 95.77% | 97.02% | -1,104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.14% | -7.61% | -3.81% | -5.67% | 1.37% | 4.76% | 1.44% | 1.72% | +739 bps | |
| Loan Growth (YoY) | 12.47% | 6.22% | 2.44% | 0.18% | 0.01% | 0.11% | -4.43% | -10.83% | -1,100 bps | |
| Share Growth (YoY) | -7.88% | -7.79% | -3.40% | -5.31% | 2.42% | 5.86% | 2.28% | 2.37% | +768 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.36% | 1.10% | 0.96% | 0.21% | 0.84% | 0.43% | 0.23% | -74 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 | 0.56% | 0.93% | 1.00% | 0.97% | 0.64% | 1.07% | 1.27% | 1.08% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.05% | 10.04% | 9.48% | 9.34% | 9.09% | 8.94% | 8.85% | 8.87% | -47 bps | |
| Net Worth / Assets | 10.05% | 10.04% | 9.48% | 9.34% | 9.09% | 8.94% | 8.85% | 8.87% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.22% | 68.03% | 63.75% | 65.99% | 63.68% | 64.33% | 59.57% | 57.48% | -851 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newport, VT · Charter 64462 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.14%
Rank 1,421 of 1,683
Net Interest Margin
4.29%
Rank 436 of 1,683
Efficiency Ratio
97.10%
Rank 1,530 of 1,682
Equity / Assets
8.86%
Rank 1,524 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,421 / 1,683 | ||
| Return on Equity | 1.60% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,378 / 1,681 | ||
| Net Interest Margin | 4.29% | 3.31% | 3.82% | 4.32% | Beats 74% | 436 / 1,683 | ||
| Efficiency Ratio | 97.10% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,530 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 385 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.86% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,524 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.86% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,524 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.49% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,157 / 1,683 | ||
| Loans / Assets | 52.21% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,053 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||