Metro
Chelsea, MA · Charter 66364 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$3.3BAssets
$2.8BLoans
$2.8BShares
$303.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 56% of credit unions $1B-$10B in assets (rank 191 of 435).
- Widest gap: net interest margin trails 97% of credit unions $1B-$10B in assets (rank 423 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 8-Qtr Trend | 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 |