Wakefield, RI · Charter 67270
NCUA · 5 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
12
Asset Quality
76
Profitability
61
Liquidity
16
Efficiency
64
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.
Wakefield, RI · Charter 67270
NCUA · 5 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 | 0.28% | 0.29% | 0.32% | 0.80% | 0.77% | 0.77% | 0.62% | 0.75% | -5 bps | |
| Return on Equity | 3.24% | 3.38% | 3.72% | 9.03% | 8.47% | 8.40% | 6.69% | 8.04% | -99 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.87% | 2.94% | 3.00% | 3.04% | 3.16% | 3.20% | +26 bps | |
| Efficiency Ratio | 83.88% | 83.93% | 88.38% | 77.52% | 78.00% | 77.82% | 80.50% | 78.38% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.41% | 6.18% | 3.49% | 3.27% | 2.14% | 1.80% | 2.58% | 3.18% | -9 bps | |
| Loan Growth (YoY) | 3.41% | 5.26% | 4.05% | 2.37% | 2.46% | 4.50% | 4.25% | 6.05% | +367 bps | |
| Share Growth (YoY) | 0.66% | 4.28% | 4.17% | 5.11% | 6.03% | 2.88% | 2.43% | 2.06% | -305 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.16% | 0.14% | 0.12% | 0.14% | 0.24% | 0.27% | 0.21% | +10 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 | 8.65% | 8.61% | 8.67% | 8.90% | 9.09% | 9.20% | 9.26% | 9.34% | +43 bps | |
| Net Worth / Assets | 8.65% | 8.61% | 8.67% | 8.90% | 9.09% | 9.20% | 9.26% | 9.34% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.77% | 91.78% | 90.03% | 90.33% | 90.61% | 93.23% | 91.63% | 93.86% | +353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wakefield, RI · Charter 67270 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 5 branches
Q2 2026
Return on Assets
0.75%
Rank 10 of 25
Net Interest Margin
3.20%
Rank 12 of 25
Efficiency Ratio
78.38%
Rank 10 of 25
Equity / Assets
9.34%
Rank 22 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.39% | 0.58% | 0.96% | Beats 60% | 10 / 25 | ||
| Return on Equity | 8.04% | 3.08% | 5.38% | 8.04% | Beats 72% | 7 / 25 | ||
| Net Interest Margin | 3.20% | 2.78% | 3.19% | 3.68% | Beats 52% | 12 / 25 | ||
| Efficiency Ratio | 78.38% | 74.87% | 81.63% | 89.25% | Beats 64% | 10 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.48% | 0.93% | Beats 76% | 7 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.34% | 9.94% | 11.40% | 12.51% | Beats 12% | 22 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.34% | 9.94% | 11.40% | 12.51% | Beats 12% | 22 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.86% | 54.80% | 74.79% | 86.25% | 80th pctl | 5 / 25 | ||
| Loans / Assets | 81.48% | 49.28% | 61.62% | 76.11% | 88th pctl | 3 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||