Rhode Island
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
$425.1MAssets
$323.5MLoans
$375.1MShares
$44.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 4 of 25).
- Widest gap: return on equity trails 84% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 21 of 25).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |