New Bedford, MA · Charter 66733
NCUA · 2 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 in the Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
60
Profitability
65
Liquidity
91
Efficiency
52
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.
New Bedford, MA · Charter 66733
NCUA · 2 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 | 0.79% | 0.81% | 0.75% | 0.76% | 0.76% | 0.74% | 0.66% | 0.72% | -4 bps | |
| Return on Equity | 7.76% | 7.84% | 7.48% | 7.35% | 7.10% | 6.86% | 6.07% | 6.55% | -80 bps | |
| Net Interest Margin | 3.46% | 3.50% | 3.56% | 3.70% | 3.78% | 3.77% | 3.75% | 3.78% | +8 bps | |
| Efficiency Ratio | 79.75% | 79.50% | 81.16% | 81.35% | 81.87% | 82.53% | 82.05% | 81.62% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | 0.38% | 2.33% | 1.66% | 3.10% | 2.93% | -0.49% | 0.58% | -108 bps | |
| Loan Growth (YoY) | -0.59% | -0.36% | 1.27% | 2.93% | 3.00% | 4.67% | 3.35% | 2.02% | -91 bps | |
| Share Growth (YoY) | -2.22% | -0.28% | 2.31% | 1.46% | 2.53% | 2.42% | -1.28% | -0.30% | -176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 1.34% | 0.62% | 0.88% | 0.98% | 0.72% | 0.61% | 0.44% | -44 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 | 10.19% | 10.31% | 10.09% | 10.37% | 10.64% | 10.74% | 10.82% | 11.01% | +63 bps | |
| Net Worth / Assets | 10.19% | 10.31% | 10.09% | 10.37% | 10.64% | 10.74% | 10.82% | 11.01% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.39% | 76.54% | 73.48% | 75.17% | 76.74% | 78.21% | 76.93% | 76.92% | +175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Bedford, MA · Charter 66733 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 2 branches
Q2 2026
Return on Assets
0.72%
Rank 11 of 25
Net Interest Margin
3.78%
Rank 6 of 25
Efficiency Ratio
81.63%
Rank 13 of 25
Equity / Assets
11.01%
Rank 15 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.39% | 0.58% | 0.96% | Beats 56% | 11 / 25 | ||
| Return on Equity | 6.55% | 3.08% | 5.38% | 8.04% | Beats 64% | 9 / 25 | ||
| Net Interest Margin | 3.78% | 2.78% | 3.19% | 3.68% | Beats 76% | 6 / 25 | ||
| Efficiency Ratio | 81.63% | 74.87% | 81.63% | 89.25% | Beats 52% | 13 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.21% | 0.48% | 0.93% | Beats 60% | 11 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.01% | 9.94% | 11.40% | 12.51% | Beats 40% | 15 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.01% | 9.94% | 11.40% | 12.51% | Beats 40% | 15 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.92% | 54.80% | 74.79% | 86.25% | 56th pctl | 11 / 25 | ||
| Loans / Assets | 68.23% | 49.28% | 61.62% | 76.11% | 64th pctl | 9 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||