Warwick, RI · Charter 67269
NCUA · 8 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
32
Asset Quality
64
Profitability
40
Liquidity
49
Efficiency
20
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.
Warwick, RI · Charter 67269
NCUA · 8 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 | 1.14% | 0.82% | 0.06% | 0.08% | 0.03% | 0.03% | 0.13% | 0.26% | +18 bps | |
| Return on Equity | 10.55% | 7.68% | 0.61% | 0.75% | 0.29% | 0.30% | 1.30% | 2.53% | +178 bps | |
| Net Interest Margin | 2.99% | 3.01% | 3.16% | 3.27% | 3.42% | 3.45% | 3.79% | 3.91% | +64 bps | |
| Efficiency Ratio | 72.47% | 78.40% | 94.01% | 93.82% | 94.16% | 94.37% | 92.11% | 90.31% | -351 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 2.54% | -0.10% | 2.40% | 0.55% | 1.80% | 2.23% | 1.97% | -43 bps | |
| Loan Growth (YoY) | 0.31% | -1.79% | 1.99% | 1.92% | 2.55% | 7.95% | 9.92% | 13.71% | +1,179 bps | |
| Share Growth (YoY) | 1.14% | 1.32% | -0.41% | 2.62% | 0.57% | 1.92% | 2.19% | 1.53% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.41% | 0.34% | 0.40% | 0.36% | 0.46% | 0.31% | 0.38% | -3 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 | 10.82% | 10.65% | 10.50% | 10.54% | 10.69% | 10.43% | 10.26% | 10.40% | -13 bps | |
| Net Worth / Assets | 10.82% | 10.65% | 10.50% | 10.54% | 10.69% | 10.43% | 10.26% | 10.40% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.48% | 76.73% | 76.31% | 77.01% | 79.00% | 81.27% | 82.09% | 86.25% | +924 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warwick, RI · Charter 67269 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 8 branches
Q2 2026
Return on Assets
0.26%
Rank 20 of 25
Net Interest Margin
3.91%
Rank 4 of 25
Efficiency Ratio
90.30%
Rank 21 of 25
Equity / Assets
10.40%
Rank 17 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | 0.39% | 0.58% | 0.96% | Beats 20% | 20 / 25 | ||
| Return on Equity | 2.53% | 3.08% | 5.38% | 8.04% | Beats 16% | 21 / 25 | ||
| Net Interest Margin | 3.91% | 2.78% | 3.19% | 3.68% | Beats 84% | 4 / 25 | ||
| Efficiency Ratio | 90.30% | 74.87% | 81.63% | 89.25% | Beats 20% | 21 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.21% | 0.48% | 0.93% | Beats 64% | 10 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.40% | 9.94% | 11.40% | 12.51% | Beats 32% | 17 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.40% | 9.94% | 11.40% | 12.51% | Beats 32% | 17 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.25% | 54.80% | 74.79% | 86.25% | 72nd pctl | 7 / 25 | ||
| Loans / Assets | 76.11% | 49.28% | 61.62% | 76.11% | 72nd pctl | 7 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||