Lowell, MA · Charter 67352
NCUA · 13 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
12
Asset Quality
91
Profitability
16
Liquidity
0
Efficiency
8
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.
Lowell, MA · Charter 67352
NCUA · 13 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 | 0.18% | 0.21% | 0.23% | 0.35% | 0.33% | 0.36% | 0.37% | 0.43% | +8 bps | |
| Return on Equity | 2.12% | 2.52% | 2.70% | 4.10% | 3.75% | 3.99% | 4.06% | 4.76% | +65 bps | |
| Net Interest Margin | 1.80% | 1.81% | 1.90% | 2.00% | 2.08% | 2.20% | 2.47% | 2.51% | +51 bps | |
| Efficiency Ratio | 90.22% | 89.24% | 91.24% | 86.56% | 87.27% | 86.43% | 86.15% | 84.35% | -221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.37% | 4.01% | 3.40% | 3.77% | 1.36% | -1.27% | -3.00% | -2.94% | -671 bps | |
| Loan Growth (YoY) | 6.34% | 4.04% | 2.90% | 0.81% | -0.08% | -1.05% | -1.50% | -0.87% | -168 bps | |
| Share Growth (YoY) | 5.61% | 6.46% | 5.51% | 5.66% | 2.06% | -1.32% | -4.15% | -4.59% | -1,025 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.24% | 0.15% | 0.29% | 0.20% | 0.21% | 0.19% | 0.30% | +1 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 | 8.53% | 8.51% | 8.40% | 8.50% | 8.70% | 8.94% | 9.01% | 9.12% | +62 bps | |
| Net Worth / Assets | 8.53% | 8.51% | 8.40% | 8.50% | 8.70% | 8.94% | 9.01% | 9.12% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.68% | 103.04% | 99.67% | 99.91% | 101.51% | 103.31% | 102.42% | 103.80% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lowell, MA · Charter 67352 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.43%
Rank 358 of 435
Net Interest Margin
2.51%
Rank 400 of 435
Efficiency Ratio
84.35%
Rank 400 of 435
Equity / Assets
9.12%
Rank 381 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.55% | 0.81% | 1.14% | Beats 18% | 358 / 435 | ||
| Return on Equity | 4.76% | 5.12% | 7.41% | 9.70% | Beats 22% | 340 / 435 | ||
| Net Interest Margin | 2.51% | 3.01% | 3.39% | 3.75% | Beats 8% | 400 / 435 | ||
| Efficiency Ratio | 84.35% | 65.25% | 71.39% | 77.86% | Beats 8% | 400 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.45% | 0.69% | 1.05% | Beats 91% | 43 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.12% | 9.81% | 10.84% | 12.63% | Beats 12% | 381 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.12% | 9.81% | 10.84% | 12.63% | Beats 12% | 381 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.80% | 78.33% | 88.38% | 95.61% | 92nd pctl | 36 / 435 | ||
| Loans / Assets | 81.18% | 67.69% | 74.58% | 80.80% | 77th pctl | 100 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||