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Brotherhood

Lynn, MA · Charter 66350

NCUA · 3 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

100

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 2026-10-11

Brotherhood

Lynn, MA · Charter 66350

NCUA · 3 branches

Q2 2026

$125.2MAssets
$62.7MLoans
$69.7MShares
$54.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.55%, up 86 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 1.18% of loans (+98 bps YoY).
  • Capital: net worth / assets of 43.67%, up 416 bps from a year ago.
  • Funding: loans stand at 89.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.55%+86 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+40 bps YoY

Efficiency Ratio (YTD, annualized)

45.71%-506 bps YoY

Net Worth / Assets

43.67%+416 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.69%3.42%3.42%-3.54%3.55%+86 bps
Return on Equity6.82%8.27%8.22%-8.66%8.13%+131 bps
Net Interest Margin2.30%2.38%2.41%2.66%2.70%+40 bps
Efficiency Ratio50.77%45.33%45.12%n/a45.71%-506 bps
Growth
Asset Growth (YoY)14.92%8.79%6.66%2.54%-0.85%-1,576 bps
Loan Growth (YoY)-2.75%0.26%0.56%0.15%1.32%+407 bps
Share Growth (YoY)17.86%7.61%4.93%-0.44%-7.65%-2,550 bps
Asset Quality
Delinquent Loans / Loans0.20%0.19%0.60%0.83%1.18%+98 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital39.51%41.30%41.68%40.90%43.67%+416 bps
Net Worth / Assets39.51%41.30%41.68%40.90%43.67%+416 bps
Liquidity & Funding
Loans / Shares81.93%87.21%86.66%85.34%89.88%+796 bps
Liquid Assets / Assets0.00%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 2026-10-11

Brotherhood

Lynn, MA · Charter 66350 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 3 branches

Q2 2026

$125.2MAssets
$62.7MLoans
$69.7MShares
$54.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 66).
  • Widest gap: net interest margin trails 88% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 58 of 66).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

3.55%

Rank 1 of 66

Net Interest Margin

2.70%

Rank 58 of 66

Efficiency Ratio

45.70%

Rank 1 of 66

Equity / Assets

43.67%

Rank 2 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.55%0.38%0.59%1.00%Beats 98%1 / 66
Return on Equity8.13%2.62%4.89%6.39%Beats 86%9 / 66
Net Interest Margin2.70%2.83%3.27%3.84%Beats 12%58 / 66
Efficiency Ratio45.70%68.43%80.15%87.18%Beats 100%1 / 66
Asset Quality
Nonperforming Loans / Loans1.18%0.08%0.48%1.18%Beats 26%50 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio43.67%9.84%13.79%17.21%Beats 97%2 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets43.67%9.84%13.79%17.21%Beats 97%2 / 66
Liquidity & Funding
Loans / Deposits89.88%50.73%71.54%81.61%86th pctl9 / 66
Loans / Assets50.06%40.53%57.05%68.92%38th pctl41 / 66
Brokered Deposits / Depositsn/aNot reported for this institution