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Medford, MA · Charter 66706

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Members Plus

Medford, MA · Charter 66706

NCUA · 7 branches

Q2 2026

$349.0MAssets
$166.9MLoans
$284.7MShares
$38.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.49%, down 66 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.87% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.02%, down 58 bps from a year ago.
  • Funding: loans stand at 58.63% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.49%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.14%-10 bps YoY

Efficiency Ratio (YTD, annualized)

117.07%+2,770 bps YoY

Net Worth / Assets

11.02%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.39%-1.90%-0.33%0.17%0.05%-0.06%-0.53%-0.49%-66 bps
Return on Equity-19.44%-15.43%-2.81%1.48%0.42%-0.53%-4.88%-4.41%-589 bps
Net Interest Margin2.05%2.15%2.28%2.25%2.26%2.26%2.08%2.14%-10 bps
Efficiency Ratio393%244%109.19%89.37%94.61%98.69%118.21%117.07%+2,770 bps
Growth
Asset Growth (YoY)-4.85%-11.66%-7.69%-4.28%5.81%5.86%5.84%1.42%+570 bps
Loan Growth (YoY)0.92%-3.46%-5.07%-5.53%-6.24%-5.60%-6.20%-6.71%-118 bps
Share Growth (YoY)-4.82%-1.62%2.98%5.84%7.09%7.33%8.22%5.59%-25 bps
Asset Quality
Delinquent Loans / Loans1.08%1.41%0.74%0.86%0.54%0.63%0.76%0.87%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.27%12.30%11.68%11.60%11.53%11.54%10.91%11.02%-58 bps
Net Worth / Assets12.27%12.30%11.68%11.60%11.53%11.54%10.91%11.02%-58 bps
Liquidity & Funding
Loans / Shares75.18%74.23%69.06%66.36%65.82%65.29%59.85%58.63%-773 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Members Plus

Medford, MA · Charter 66706 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 7 branches

Q2 2026

$349.0MAssets
$166.9MLoans
$284.7MShares
$38.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 33% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 45 of 66).
  • Widest gap: return on assets trails 100% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 66 of 66).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

-0.49%

Rank 66 of 66

Net Interest Margin

2.14%

Rank 64 of 66

Efficiency Ratio

117.10%

Rank 66 of 66

Equity / Assets

11.02%

Rank 45 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.49%0.38%0.59%1.00%Beats 0%66 / 66
Return on Equity-4.41%2.62%4.89%6.39%Beats 2%65 / 66
Net Interest Margin2.14%2.83%3.27%3.84%Beats 3%64 / 66
Efficiency Ratio117.10%68.43%80.15%87.18%Beats 2%66 / 66
Asset Quality
Nonperforming Loans / Loans0.87%0.08%0.48%1.18%Beats 33%45 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.02%9.84%13.79%17.21%Beats 32%45 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.02%9.84%13.79%17.21%Beats 32%45 / 66
Liquidity & Funding
Loans / Deposits58.63%50.73%71.54%81.61%33rd pctl44 / 66
Loans / Assets47.83%40.53%57.05%68.92%33rd pctl44 / 66
Brokered Deposits / Depositsn/aNot reported for this institution