Ocean State
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
$350.7MAssets
$275.1MLoans
$283.8MShares
$39.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 44% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 14 of 25).
- Widest gap: return on equity trails 92% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 23 of 25).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |