Middletown, RI · Charter 65861
NCUA · 6 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
28
Asset Quality
48
Profitability
19
Liquidity
0
Efficiency
16
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.
Middletown, RI · Charter 65861
NCUA · 6 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 | 0.12% | 0.06% | -0.03% | 0.10% | 0.17% | 0.22% | 0.22% | 0.26% | +16 bps | |
| Return on Equity | 1.14% | 0.60% | -0.26% | 0.98% | 1.69% | 2.19% | 2.25% | 2.62% | +163 bps | |
| Net Interest Margin | 2.08% | 2.12% | 2.17% | 2.19% | 2.23% | 2.32% | 2.67% | 2.70% | +52 bps | |
| Efficiency Ratio | 96.14% | 98.80% | 99.67% | 96.33% | 95.22% | 93.79% | 90.83% | 90.63% | -570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 4.10% | 8.47% | 7.88% | 8.07% | 8.15% | 3.83% | 1.51% | -637 bps | |
| Loan Growth (YoY) | 6.55% | 5.77% | 10.12% | 13.37% | 11.87% | 9.66% | 2.71% | -2.11% | -1,549 bps | |
| Share Growth (YoY) | 1.42% | 3.83% | 6.75% | 9.16% | 7.41% | 8.04% | 5.94% | 3.11% | -605 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.39% | 0.35% | 0.27% | 0.40% | 0.40% | 0.40% | 0.57% | +30 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 | 10.43% | 10.45% | 10.10% | 9.81% | 9.75% | 9.88% | 10.01% | 9.97% | +15 bps | |
| Net Worth / Assets | 10.43% | 10.45% | 10.10% | 9.81% | 9.75% | 9.88% | 10.01% | 9.97% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.11% | 104.69% | 106.28% | 107.46% | 108.43% | 106.26% | 103.04% | 102.01% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Middletown, RI · Charter 65861 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 6 branches
Q2 2026
Return on Assets
0.26%
Rank 21 of 25
Net Interest Margin
2.70%
Rank 20 of 25
Efficiency Ratio
90.62%
Rank 22 of 25
Equity / Assets
9.97%
Rank 18 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | 0.39% | 0.58% | 0.96% | Beats 16% | 21 / 25 | ||
| Return on Equity | 2.62% | 3.08% | 5.38% | 8.04% | Beats 20% | 20 / 25 | ||
| Net Interest Margin | 2.70% | 2.78% | 3.19% | 3.68% | Beats 20% | 20 / 25 | ||
| Efficiency Ratio | 90.62% | 74.87% | 81.63% | 89.25% | Beats 16% | 22 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.21% | 0.48% | 0.93% | Beats 48% | 14 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.97% | 9.94% | 11.40% | 12.51% | Beats 28% | 18 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.97% | 9.94% | 11.40% | 12.51% | Beats 28% | 18 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.01% | 54.80% | 74.79% | 86.25% | 96th pctl | 1 / 25 | ||
| Loans / Assets | 80.37% | 49.28% | 61.62% | 76.11% | 84th pctl | 4 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||