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HTM

Haverhill, MA · Charter 67749

NCUA · 1 branch

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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

48

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

HTM

Haverhill, MA · Charter 67749

NCUA · 1 branch

Q2 2026

$29.6MAssets
$16.2MLoans
$25.6MShares
$4.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, up 18 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.11% of loans (+10 bps YoY).
  • Capital: net worth / assets of 13.79%, down 12 bps from a year ago.
  • Funding: loans stand at 63.14% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+27 bps YoY

Efficiency Ratio (YTD, annualized)

80.34%-436 bps YoY

Net Worth / Assets

13.79%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.25%0.38%0.50%0.49%0.38%0.68%0.67%+18 bps
Return on Equity2.38%1.71%2.75%3.56%3.33%2.71%4.99%4.89%+133 bps
Net Interest Margin2.82%2.76%2.79%2.87%3.09%2.95%3.00%3.14%+27 bps
Efficiency Ratio88.91%91.28%87.27%84.71%85.71%88.32%79.30%80.34%-436 bps
Growth
Asset Growth (YoY)-2.11%1.22%2.92%4.60%3.40%6.34%5.78%4.39%-21 bps
Loan Growth (YoY)9.39%3.72%7.12%11.99%10.15%3.43%7.13%8.40%-359 bps
Share Growth (YoY)-2.49%1.43%3.21%5.01%3.70%6.92%6.17%4.87%-14 bps
Asset Quality
Delinquent Loans / Loans0.01%0.00%0.01%0.01%0.06%0.06%0.04%0.11%+10 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 Capital14.82%14.44%14.01%13.91%14.69%13.95%13.69%13.79%-12 bps
Net Worth / Assets14.82%14.44%14.01%13.91%14.69%13.95%13.69%13.79%-12 bps
Liquidity & Funding
Loans / Shares62.78%60.22%59.60%61.08%66.68%58.25%60.14%63.14%+206 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

HTM

Haverhill, MA · Charter 67749 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$29.6MAssets
$16.2MLoans
$25.6MShares
$4.1MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 20 of 66).
  • Widest gap: net interest margin trails 53% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 35 of 66).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.68%

Rank 29 of 66

Net Interest Margin

3.14%

Rank 35 of 66

Efficiency Ratio

80.50%

Rank 35 of 66

Equity / Assets

13.79%

Rank 33 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.68%0.38%0.59%1.00%Beats 56%29 / 66
Return on Equity4.89%2.62%4.89%6.39%Beats 50%33 / 66
Net Interest Margin3.14%2.83%3.27%3.84%Beats 47%35 / 66
Efficiency Ratio80.50%68.43%80.15%87.18%Beats 48%35 / 66
Asset Quality
Nonperforming Loans / Loans0.11%0.08%0.48%1.18%Beats 71%20 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.79%9.84%13.79%17.21%Beats 50%33 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.79%9.84%13.79%17.21%Beats 50%33 / 66
Liquidity & Funding
Loans / Deposits63.14%50.73%71.54%81.61%41st pctl39 / 66
Loans / Assets54.64%40.53%57.05%68.92%45th pctl36 / 66
Brokered Deposits / Depositsn/aNot reported for this institution