Westerly Community 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
$519.9M Assets
$423.6M Loans
$451.3M Shares
$48.5M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 7 of 25). Widest gap: equity / assets trails 88% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 22 of 25). Overall: at or above the peer median on 5 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Providence-Warwick, RI-MA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-10