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Haverhill Fire Department

Haverhill, MA · Charter 67710

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

23

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Haverhill Fire Department

Haverhill, MA · Charter 67710

NCUA · 3 branches

Q2 2026

$27.7MAssets
$16.0MLoans
$25.0MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, up 9 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.58%, down 27 bps from a year ago.
  • Funding: loans stand at 64.15% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+10 bps YoY

Efficiency Ratio (YTD, annualized)

83.90%-260 bps YoY

Net Worth / Assets

9.58%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.14%0.28%0.41%0.42%0.35%0.48%0.50%+9 bps
Return on Equity1.26%1.46%2.97%4.14%4.20%3.68%5.04%5.23%+109 bps
Net Interest Margin2.40%2.30%2.53%2.71%2.74%2.66%2.80%2.81%+10 bps
Efficiency Ratio95.40%94.73%90.05%86.50%86.39%88.09%84.52%83.90%-260 bps
Growth
Asset Growth (YoY)0.06%5.48%6.68%3.79%5.43%2.70%3.10%7.39%+361 bps
Loan Growth (YoY)2.58%-0.30%-1.52%-0.91%-5.80%-6.02%-6.46%-3.64%-273 bps
Share Growth (YoY)-0.23%5.89%6.75%3.60%5.61%2.40%2.91%7.70%+410 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.99%0.00%0.00%0.00%0.02%0.02%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.07%9.51%9.47%9.85%9.91%9.61%9.59%9.58%-27 bps
Net Worth / Assets10.07%9.51%9.47%9.85%9.91%9.61%9.59%9.58%-27 bps
Liquidity & Funding
Loans / Shares78.50%71.91%70.14%71.70%70.02%65.99%63.76%64.15%-755 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Haverhill Fire Department

Haverhill, MA · Charter 67710 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 3 branches

Q2 2026

$27.7MAssets
$16.0MLoans
$25.0MShares
$2.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 12 of 66).
  • Widest gap: equity / assets trails 77% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 51 of 66).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.50%

Rank 42 of 66

Net Interest Margin

2.81%

Rank 51 of 66

Efficiency Ratio

83.76%

Rank 42 of 66

Equity / Assets

9.57%

Rank 51 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.50%0.38%0.59%1.00%Beats 36%42 / 66
Return on Equity5.21%2.62%4.89%6.39%Beats 58%28 / 66
Net Interest Margin2.81%2.83%3.27%3.84%Beats 23%51 / 66
Efficiency Ratio83.76%68.43%80.15%87.18%Beats 38%42 / 66
Asset Quality
Nonperforming Loans / Loans0.02%0.08%0.48%1.18%Beats 83%12 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.57%9.84%13.79%17.21%Beats 23%51 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.57%9.84%13.79%17.21%Beats 23%51 / 66
Liquidity & Funding
Loans / Deposits64.15%50.73%71.54%81.61%42nd pctl38 / 66
Loans / Assets57.97%40.53%57.05%68.92%52nd pctl32 / 66
Brokered Deposits / Depositsn/aNot reported for this institution