Pawtucket, RI · Charter 67278
NCUA · 19 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
94
Profitability
29
Liquidity
0
Efficiency
59
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.
Pawtucket, RI · Charter 67278
NCUA · 19 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 | 0.29% | 0.26% | 0.41% | 0.46% | 0.50% | 0.52% | 0.48% | 0.73% | +27 bps | |
| Return on Equity | 2.88% | 2.53% | 4.02% | 4.42% | 4.81% | 4.97% | 4.58% | 6.86% | +244 bps | |
| Net Interest Margin | 1.54% | 1.55% | 1.72% | 1.78% | 1.82% | 1.87% | 2.03% | 2.08% | +30 bps | |
| Efficiency Ratio | 84.40% | 84.37% | 78.46% | 77.12% | 75.42% | 73.97% | 75.95% | 69.01% | -811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 0.61% | 1.86% | 2.35% | 1.87% | 2.30% | 2.45% | 2.70% | +35 bps | |
| Loan Growth (YoY) | 0.04% | -1.08% | 0.57% | 0.08% | 1.05% | 0.19% | -0.42% | 1.30% | +122 bps | |
| Share Growth (YoY) | 4.13% | 4.92% | 5.17% | 5.82% | 4.65% | 4.21% | 4.38% | 3.97% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.29% | 0.22% | 0.29% | 0.25% | 0.35% | 0.17% | 0.22% | -8 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 | 10.23% | 10.24% | 10.21% | 10.30% | 10.40% | 10.48% | 10.45% | 10.63% | +34 bps | |
| Net Worth / Assets | 10.23% | 10.24% | 10.21% | 10.30% | 10.40% | 10.48% | 10.45% | 10.63% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.69% | 113.46% | 112.45% | 111.38% | 110.74% | 109.08% | 107.29% | 108.53% | -285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pawtucket, RI · Charter 67278 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
Return on Assets
0.73%
Rank 257 of 435
Net Interest Margin
2.08%
Rank 424 of 435
Efficiency Ratio
69.01%
Rank 178 of 435
Equity / Assets
10.63%
Rank 241 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.55% | 0.81% | 1.14% | Beats 41% | 257 / 435 | ||
| Return on Equity | 6.86% | 5.12% | 7.41% | 9.70% | Beats 44% | 245 / 435 | ||
| Net Interest Margin | 2.08% | 3.01% | 3.39% | 3.75% | Beats 3% | 424 / 435 | ||
| Efficiency Ratio | 69.01% | 65.25% | 71.39% | 77.86% | Beats 59% | 178 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.45% | 0.69% | 1.05% | Beats 94% | 25 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.63% | 9.81% | 10.84% | 12.63% | Beats 45% | 241 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.63% | 9.81% | 10.84% | 12.63% | Beats 45% | 241 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.53% | 78.33% | 88.38% | 95.61% | 97th pctl | 12 / 435 | ||
| Loans / Assets | 85.04% | 67.69% | 74.58% | 80.80% | 90th pctl | 43 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||