Coventry, RI · Charter 66595
NCUA · 6 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 under $1B in assets in the Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
20
Profitability
20
Liquidity
2
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.
Coventry, RI · Charter 66595
NCUA · 6 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 | 0.34% | 0.30% | 0.27% | 0.13% | 0.04% | -30 bps | |
| Return on Equity | 2.92% | 2.55% | 2.29% | 1.15% | 0.38% | -254 bps | |
| Net Interest Margin | 3.07% | 3.12% | 3.09% | 3.00% | 3.08% | +1 bps | |
| Efficiency Ratio | 89.67% | 90.83% | 91.83% | 96.35% | 96.34% | +668 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.56% | -0.82% | -0.60% | 0.94% | 3.37% | +493 bps | |
| Loan Growth (YoY) | 1.66% | 0.25% | 0.46% | -2.89% | -4.08% | -574 bps | |
| Share Growth (YoY) | 0.94% | 1.17% | 2.47% | 4.94% | 5.24% | +431 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 0.98% | 1.21% | 1.54% | 1.55% | +47 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 | 11.64% | 11.86% | 11.65% | 11.37% | 11.37% | -26 bps | |
| Net Worth / Assets | 11.64% | 11.86% | 11.65% | 11.37% | 11.37% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.35% | 108.44% | 102.65% | 96.86% | 96.93% | -942 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Coventry, RI · Charter 66595 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 6 branches
Q2 2026
Return on Assets
0.04%
Rank 23 of 25
Net Interest Margin
3.08%
Rank 14 of 25
Efficiency Ratio
96.34%
Rank 23 of 25
Equity / Assets
11.37%
Rank 14 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.39% | 0.58% | 0.96% | Beats 8% | 23 / 25 | |
| Return on Equity | 0.38% | 3.08% | 5.38% | 8.04% | Beats 8% | 23 / 25 | |
| Net Interest Margin | 3.08% | 2.78% | 3.19% | 3.68% | Beats 44% | 14 / 25 | |
| Efficiency Ratio | 96.34% | 74.87% | 81.63% | 89.25% | Beats 12% | 23 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.55% | 0.21% | 0.48% | 0.93% | Beats 20% | 21 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.37% | 9.94% | 11.40% | 12.51% | Beats 44% | 14 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.37% | 9.94% | 11.40% | 12.51% | Beats 44% | 14 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.93% | 54.80% | 74.79% | 86.25% | 84th pctl | 4 / 25 | |
| Loans / Assets | 78.45% | 49.28% | 61.62% | 76.11% | 80th pctl | 5 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||