Chicopee, MA · Charter 66597
NCUA · 8 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
81
Profitability
27
Liquidity
0
Efficiency
32
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.
Chicopee, MA · Charter 66597
NCUA · 8 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.35% | 0.26% | 0.37% | 0.38% | 0.37% | 0.61% | 0.52% | +15 bps | |
| Return on Equity | 2.80% | 2.59% | 1.94% | 2.74% | 2.80% | 2.71% | 4.47% | 3.84% | +110 bps | |
| Net Interest Margin | 2.70% | 2.57% | 2.60% | 2.72% | 2.77% | 2.82% | 2.99% | 2.96% | +24 bps | |
| Efficiency Ratio | 88.16% | 88.99% | 91.94% | 88.78% | 88.68% | 89.19% | 80.92% | 83.98% | -480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.97% | 2.33% | 4.77% | 5.16% | 7.35% | 1.96% | -0.33% | 2.61% | -255 bps | |
| Loan Growth (YoY) | -4.19% | -0.67% | 3.05% | 4.11% | 5.09% | 4.17% | 2.76% | 4.16% | +5 bps | |
| Share Growth (YoY) | -1.70% | -0.53% | 2.37% | 2.20% | 1.98% | 3.86% | 1.66% | 2.54% | +34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.15% | 0.10% | 0.26% | 0.25% | 0.14% | 0.37% | 0.17% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.13% | 13.52% | 13.17% | 13.48% | 13.51% | 13.63% | 13.67% | 13.58% | +10 bps | |
| Net Worth / Assets | 14.13% | 13.52% | 13.17% | 13.48% | 13.51% | 13.63% | 13.67% | 13.58% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.54% | 102.74% | 100.91% | 102.74% | 104.64% | 103.04% | 102.00% | 104.36% | +162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicopee, MA · Charter 66597 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.52%
Rank 1,106 of 1,683
Net Interest Margin
2.96%
Rank 1,475 of 1,683
Efficiency Ratio
83.98%
Rank 1,137 of 1,682
Equity / Assets
13.58%
Rank 737 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,106 / 1,683 | ||
| Return on Equity | 3.84% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,115 / 1,681 | ||
| Net Interest Margin | 2.96% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,475 / 1,683 | ||
| Efficiency Ratio | 83.98% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,137 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.26% | 0.65% | 1.29% | Beats 81% | 318 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.58% | 10.44% | 12.89% | 16.53% | Beats 56% | 737 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.58% | 10.44% | 12.89% | 16.53% | Beats 56% | 737 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.36% | 52.61% | 69.38% | 83.50% | 98th pctl | 36 / 1,683 | ||
| Loans / Assets | 82.55% | 44.71% | 59.18% | 70.72% | 95th pctl | 88 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||