Southbridge
Southbridge, MA · Charter 66374 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$242.4MAssets
$181.1MLoans
$212.5MShares
$25.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of credit unions under $1B in assets (rank 376 of 1682).
- Widest gap: equity / assets trails 73% of credit unions under $1B in assets (rank 1235 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.42%
Rank 1,204 of 1,683
Net Interest Margin
3.44%
Rank 1,165 of 1,683
Efficiency Ratio
84.24%
Rank 1,153 of 1,682
Equity / Assets
10.62%
Rank 1,235 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,204 / 1,683 | |
| Return on Equity | 4.00% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,092 / 1,681 | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,165 / 1,683 | |
| Efficiency Ratio | 84.24% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,153 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.65% | 1.29% | Beats 78% | 376 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,235 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.62% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,235 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.24% | 52.61% | 69.38% | 83.50% | 78th pctl | 370 / 1,683 | |
| Loans / Assets | 74.72% | 44.71% | 59.18% | 70.72% | 82nd pctl | 296 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |