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
$27.7M Assets
$16.0M Loans
$25.0M Shares
$2.6M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.50% 0.38% 0.59% 1.00% Beats 36% 42 / 66 Return on Equity 5.21% 2.62% 4.89% 6.39% Beats 58% 28 / 66 Net Interest Margin 2.81% 2.83% 3.27% 3.84% Beats 23% 51 / 66 Efficiency Ratio 83.76% 68.43% 80.15% 87.18% Beats 38% 42 / 66 Asset Quality Nonperforming Loans / Loans 0.02% 0.08% 0.48% 1.18% Beats 83% 12 / 66 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 9.57% 9.84% 13.79% 17.21% Beats 23% 51 / 66 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 9.57% 9.84% 13.79% 17.21% Beats 23% 51 / 66 Liquidity & Funding Loans / Deposits 64.15% 50.73% 71.54% 81.61% 42nd pctl 38 / 66 Loans / Assets 57.97% 40.53% 57.05% 68.92% 52nd pctl 32 / 66 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 Boston-Cambridge-Newton, MA-NH 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 2026-10-11