Chelsea, MA · Charter 66364
NCUA · 18 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
56
Profitability
11
Liquidity
19
Efficiency
12
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.
Chelsea, MA · Charter 66364
NCUA · 18 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 | 0.46% | 0.38% | 0.36% | 0.27% | 0.35% | -11 bps | |
| Return on Equity | 5.12% | 4.12% | 3.97% | 2.93% | 3.81% | -131 bps | |
| Net Interest Margin | 1.89% | 1.95% | 1.95% | 2.10% | 2.09% | +20 bps | |
| Efficiency Ratio | 80.58% | 83.43% | 83.84% | 85.63% | 82.25% | +166 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.56% | -6.19% | -4.14% | -2.08% | 0.92% | +647 bps | |
| Loan Growth (YoY) | -5.77% | -6.01% | -5.16% | -2.29% | -1.71% | +406 bps | |
| Share Growth (YoY) | -3.78% | -3.93% | -1.59% | 0.52% | 4.46% | +824 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.17% | 0.25% | 0.59% | 0.62% | +44 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 9.13% | 9.02% | 9.08% | 9.18% | +22 bps | |
| Net Worth / Assets | 8.96% | 9.13% | 9.02% | 9.08% | 9.18% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.89% | 106.75% | 104.57% | 100.98% | 99.63% | -626 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chelsea, MA · Charter 66364 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
Return on Assets
0.35%
Rank 380 of 435
Net Interest Margin
2.09%
Rank 423 of 435
Efficiency Ratio
82.24%
Rank 385 of 435
Equity / Assets
9.18%
Rank 376 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.55% | 0.81% | 1.14% | Beats 13% | 380 / 435 | |
| Return on Equity | 3.81% | 5.12% | 7.41% | 9.70% | Beats 17% | 363 / 435 | |
| Net Interest Margin | 2.09% | 3.01% | 3.39% | 3.75% | Beats 3% | 423 / 435 | |
| Efficiency Ratio | 82.24% | 65.25% | 71.39% | 77.86% | Beats 12% | 385 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.62% | 0.45% | 0.69% | 1.05% | Beats 56% | 191 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.18% | 9.81% | 10.84% | 12.63% | Beats 14% | 376 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.18% | 9.81% | 10.84% | 12.63% | Beats 14% | 376 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.63% | 78.33% | 88.38% | 95.61% | 84th pctl | 69 / 435 | |
| Loans / Assets | 83.30% | 67.69% | 74.58% | 80.80% | 86th pctl | 59 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||