Newport, VT · Charter 64782
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 (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
21
Asset Quality
18
Profitability
35
Liquidity
6
Efficiency
5
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 64782
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.23% | 0.30% | -0.67% | -0.42% | -50 bps | |
| Return on Equity | 0.82% | 2.15% | 2.82% | -6.72% | -4.17% | -500 bps | |
| Net Interest Margin | 5.70% | 5.85% | 5.63% | 4.93% | 5.03% | -67 bps | |
| Efficiency Ratio | 100.29% | 96.63% | 99.32% | 116.12% | 108.60% | +830 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.24% | -10.83% | -4.02% | 5.86% | 2.90% | +1,214 bps | |
| Loan Growth (YoY) | -12.16% | -14.71% | -11.25% | -7.12% | 4.42% | +1,657 bps | |
| Share Growth (YoY) | -9.55% | -11.79% | -4.54% | 6.76% | 3.18% | +1,273 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.51% | 1.61% | 0.39% | 0.74% | 1.63% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.72% | 0.40% | 0.33% | 0.34% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.27% | 10.69% | 10.58% | 9.97% | 10.02% | -25 bps | |
| Net Worth / Assets | 10.27% | 10.69% | 10.58% | 9.97% | 10.02% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.67% | 88.02% | 86.04% | 82.95% | 90.75% | +108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newport, VT · Charter 64782 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.40%
Rank 1,564 of 1,683
Net Interest Margin
5.05%
Rank 135 of 1,683
Efficiency Ratio
108.29%
Rank 1,604 of 1,682
Equity / Assets
10.03%
Rank 1,337 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,564 / 1,683 | |
| Return on Equity | -4.03% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,584 / 1,681 | |
| Net Interest Margin | 5.05% | 3.31% | 3.82% | 4.32% | Beats 92% | 135 / 1,683 | |
| Efficiency Ratio | 108.29% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,604 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.62% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,373 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.03% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,337 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.03% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,337 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.75% | 52.61% | 69.38% | 83.50% | 87th pctl | 214 / 1,683 | |
| Loans / Assets | 81.07% | 44.71% | 59.18% | 70.72% | 93rd pctl | 115 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||