Leominster, MA · Charter 66699
NCUA · 10 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
8
Asset Quality
75
Profitability
22
Liquidity
3
Efficiency
14
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.
Leominster, MA · Charter 66699
NCUA · 10 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 | 0.10% | 0.22% | 0.37% | 0.39% | 0.33% | +23 bps | |
| Return on Equity | 1.20% | 2.59% | 4.23% | 4.39% | 3.80% | +260 bps | |
| Net Interest Margin | 2.54% | 2.62% | 2.69% | 2.84% | 2.79% | +26 bps | |
| Efficiency Ratio | 89.32% | 86.60% | 84.54% | 91.93% | 92.37% | +304 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.01% | -4.23% | -3.76% | -3.55% | -0.34% | +168 bps | |
| Loan Growth (YoY) | -1.01% | -2.36% | -2.74% | -2.69% | -1.77% | -76 bps | |
| Share Growth (YoY) | 1.51% | 1.50% | 1.99% | 0.99% | 0.18% | -133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.34% | 0.78% | 0.20% | 0.27% | -2 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 | 8.22% | 8.34% | 8.62% | 8.76% | 8.67% | +45 bps | |
| Net Worth / Assets | 8.22% | 8.34% | 8.62% | 8.76% | 8.67% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.13% | 93.18% | 91.02% | 89.15% | 91.32% | -181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Leominster, MA · Charter 66699 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.33%
Rank 1,288 of 1,683
Net Interest Margin
2.79%
Rank 1,543 of 1,683
Efficiency Ratio
92.36%
Rank 1,445 of 1,682
Equity / Assets
8.67%
Rank 1,548 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,288 / 1,683 | |
| Return on Equity | 3.80% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,117 / 1,681 | |
| Net Interest Margin | 2.79% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,543 / 1,683 | |
| Efficiency Ratio | 92.36% | 68.91% | 78.20% | 86.93% | Beats 14% | 1,445 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 429 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.67% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,548 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.67% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,548 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.32% | 52.61% | 69.38% | 83.50% | 89th pctl | 190 / 1,683 | |
| Loans / Assets | 71.76% | 44.71% | 59.18% | 70.72% | 77th pctl | 386 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||