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Energy

West Roxbury, MA · Charter 66369

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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

50

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

Energy

West Roxbury, MA · Charter 66369

NCUA · 2 branches

Q2 2026

$128.8MAssets
$91.0MLoans
$106.5MShares
$21.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.66%, up 11 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 1.43% of loans (-81 bps YoY).
  • Capital: net worth / assets of 16.92%, up 41 bps from a year ago.
  • Funding: loans stand at 85.50% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.66%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+26 bps YoY

Efficiency Ratio (YTD, annualized)

80.15%-196 bps YoY

Net Worth / Assets

16.92%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.42%0.54%0.55%0.54%0.44%0.56%0.66%+11 bps
Return on Equity2.58%2.65%3.37%3.31%3.26%2.56%3.33%3.90%+60 bps
Net Interest Margin2.81%2.80%2.75%2.82%2.89%3.00%2.96%3.09%+26 bps
Efficiency Ratio82.75%83.07%81.74%82.11%82.24%82.32%82.64%80.15%-196 bps
Growth
Asset Growth (YoY)3.46%1.33%0.07%-0.49%-2.90%-5.24%-1.07%0.46%+96 bps
Loan Growth (YoY)4.67%2.12%0.60%-1.02%-2.32%0.80%2.93%6.47%+748 bps
Share Growth (YoY)3.19%1.54%-0.17%-1.76%-4.38%-7.48%-2.02%-0.41%+136 bps
Asset Quality
Delinquent Loans / Loans1.38%1.44%1.12%2.23%0.41%1.40%0.38%1.43%-81 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 Capital15.70%15.85%16.09%16.51%16.69%17.16%16.69%16.92%+41 bps
Net Worth / Assets15.70%15.85%16.09%16.51%16.69%17.16%16.69%16.92%+41 bps
Liquidity & Funding
Loans / Shares79.13%78.21%78.58%79.98%80.83%85.21%82.54%85.50%+552 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

Energy

West Roxbury, MA · Charter 66369 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 2 branches

Q2 2026

$128.8MAssets
$91.0MLoans
$106.5MShares
$21.8MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 70% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 20 of 66).
  • Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 53 of 66).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.66%

Rank 31 of 66

Net Interest Margin

3.09%

Rank 38 of 66

Efficiency Ratio

80.15%

Rank 34 of 66

Equity / Assets

16.92%

Rank 20 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.66%0.38%0.59%1.00%Beats 53%31 / 66
Return on Equity3.90%2.62%4.89%6.39%Beats 42%38 / 66
Net Interest Margin3.09%2.83%3.27%3.84%Beats 42%38 / 66
Efficiency Ratio80.15%68.43%80.15%87.18%Beats 50%34 / 66
Asset Quality
Nonperforming Loans / Loans1.43%0.08%0.48%1.18%Beats 21%53 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.92%9.84%13.79%17.21%Beats 70%20 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.92%9.84%13.79%17.21%Beats 70%20 / 66
Liquidity & Funding
Loans / Deposits85.50%50.73%71.54%81.61%83rd pctl11 / 66
Loans / Assets70.69%40.53%57.05%68.92%83rd pctl11 / 66
Brokered Deposits / Depositsn/aNot reported for this institution