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
$128.8M Assets
$91.0M Loans
$106.5M Shares
$21.8M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.66% 0.38% 0.59% 1.00% Beats 53% 31 / 66 Return on Equity 3.90% 2.62% 4.89% 6.39% Beats 42% 38 / 66 Net Interest Margin 3.09% 2.83% 3.27% 3.84% Beats 42% 38 / 66 Efficiency Ratio 80.15% 68.43% 80.15% 87.18% Beats 50% 34 / 66 Asset Quality Nonperforming Loans / Loans 1.43% 0.08% 0.48% 1.18% Beats 21% 53 / 66 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 16.92% 9.84% 13.79% 17.21% Beats 70% 20 / 66 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 16.92% 9.84% 13.79% 17.21% Beats 70% 20 / 66 Liquidity & Funding Loans / Deposits 85.50% 50.73% 71.54% 81.61% 83rd pctl 11 / 66 Loans / Assets 70.69% 40.53% 57.05% 68.92% 83rd pctl 11 / 66 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11