Athol, MA · Charter 66819
NCUA · 1 branch
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
7
Asset Quality
27
Profitability
16
Liquidity
0
Efficiency
6
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.
Athol, MA · Charter 66819
NCUA · 1 branch
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 | 0.16% | 0.06% | 0.13% | -0.34% | -0.30% | -46 bps | |
| Return on Equity | 1.73% | 0.65% | 1.48% | -3.88% | -3.46% | -519 bps | |
| Net Interest Margin | 3.38% | 3.28% | 3.26% | 3.53% | 3.51% | +13 bps | |
| Efficiency Ratio | 89.41% | 92.93% | 91.89% | 106.24% | 104.31% | +1,490 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.78% | 2.14% | 2.95% | 2.11% | 8.72% | +950 bps | |
| Loan Growth (YoY) | -0.25% | 1.45% | 1.80% | 2.56% | 7.62% | +786 bps | |
| Share Growth (YoY) | 3.28% | 3.36% | 2.05% | 5.18% | 3.72% | +44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.49% | 0.60% | 0.66% | 1.20% | +103 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 | 9.45% | 9.08% | 8.85% | 8.78% | 8.57% | -88 bps | |
| Net Worth / Assets | 9.45% | 9.08% | 8.85% | 8.78% | 8.57% | -88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.29% | 109.41% | 113.40% | 110.76% | 112.35% | +406 bps | |
| Liquid Assets / Assets | 0.00% | 98.56% | 99.06% | 0.00% | 99.50% | +9,950 bps | |
Athol, MA · Charter 66819 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.30%
Rank 1,551 of 1,683
Net Interest Margin
3.51%
Rank 1,111 of 1,683
Efficiency Ratio
104.32%
Rank 1,586 of 1,682
Equity / Assets
8.57%
Rank 1,563 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,551 / 1,683 | |
| Return on Equity | -3.46% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,577 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,111 / 1,683 | |
| Efficiency Ratio | 104.32% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,586 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,233 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.57% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,563 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.57% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,563 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 112.35% | 52.61% | 69.38% | 83.50% | 99th pctl | 14 / 1,683 | |
| Loans / Assets | 87.83% | 44.71% | 59.18% | 70.72% | 99th pctl | 18 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||