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Billerica Municipal Employees

Billerica, MA · Charter 66336

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Billerica Municipal Employees

Billerica, MA · Charter 66336

NCUA · 2 branches

Q2 2026

$23.6MAssets
$6.1MLoans
$19.2MShares
$4.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.89%, up 30 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY).
  • Capital: net worth / assets of 17.76%, up 148 bps from a year ago.
  • Funding: loans stand at 32.05% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+54 bps YoY

Efficiency Ratio (YTD, annualized)

62.75%-541 bps YoY

Net Worth / Assets

17.76%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.73%0.55%0.59%0.58%0.63%0.82%0.89%+30 bps
Return on Equity4.48%4.11%3.21%3.64%3.45%3.74%4.75%5.03%+140 bps
Net Interest Margin2.47%2.16%1.90%1.84%1.99%2.00%2.20%2.38%+54 bps
Efficiency Ratio65.02%65.69%71.36%68.17%71.13%68.63%62.93%62.75%-541 bps
Growth
Asset Growth (YoY)5.73%15.03%17.27%21.99%19.67%9.32%2.82%-4.07%-2,606 bps
Loan Growth (YoY)22.59%11.13%7.59%5.27%-2.98%-5.33%-10.97%-13.89%-1,916 bps
Share Growth (YoY)5.84%17.79%20.61%26.52%23.61%10.48%2.50%-6.64%-3,315 bps
Asset Quality
Delinquent Loans / Loans0.02%0.00%0.01%0.08%0.18%0.05%0.07%0.00%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.45%17.80%17.09%16.28%16.82%16.92%17.34%17.76%+148 bps
Net Worth / Assets19.45%17.80%17.09%16.28%16.82%16.92%17.34%17.76%+148 bps
Liquidity & Funding
Loans / Shares44.58%38.82%37.43%34.75%35.00%33.27%32.51%32.05%-270 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Billerica Municipal Employees

Billerica, MA · Charter 66336 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 2 branches

Q2 2026

$23.6MAssets
$6.1MLoans
$19.2MShares
$4.2MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 10 of 66).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 61 of 66).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.89%

Rank 20 of 66

Net Interest Margin

2.39%

Rank 61 of 66

Efficiency Ratio

62.32%

Rank 8 of 66

Equity / Assets

17.76%

Rank 16 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.89%0.38%0.59%1.00%Beats 70%20 / 66
Return on Equity5.02%2.62%4.89%6.39%Beats 53%31 / 66
Net Interest Margin2.39%2.83%3.27%3.84%Beats 8%61 / 66
Efficiency Ratio62.32%68.43%80.15%87.18%Beats 89%8 / 66
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.48%1.18%Beats 100%10 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.76%9.84%13.79%17.21%Beats 76%16 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.76%9.84%13.79%17.21%Beats 76%16 / 66
Liquidity & Funding
Loans / Deposits32.05%50.73%71.54%81.61%8th pctl61 / 66
Loans / Assets26.08%40.53%57.05%68.92%8th pctl61 / 66
Brokered Deposits / Depositsn/aNot reported for this institution