Polish National
Chicopee, MA · Charter 66597 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$776.9MAssets
$641.4MLoans
$614.5MShares
$105.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets (rank 318 of 1682).
- Widest gap: net interest margin trails 88% of credit unions under $1B in assets (rank 1475 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |