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Lowell Firefighters

Lowell, MA · Charter 67767

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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

27

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

Lowell Firefighters

Lowell, MA · Charter 67767

NCUA · 1 branch

Q2 2026

$28.3MAssets
$14.9MLoans
$25.0MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, up 51 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.09% of loans (-131 bps YoY).
  • Capital: net worth / assets of 11.27%, down 130 bps from a year ago.
  • Funding: loans stand at 59.83% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.38%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+37 bps YoY

Efficiency Ratio (YTD, annualized)

86.50%+219 bps YoY

Net Worth / Assets

11.27%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.12%0.11%-0.13%-0.59%-0.93%0.32%0.38%+51 bps
Return on Equity1.14%0.94%0.86%-1.02%-4.71%-7.85%2.75%3.40%+443 bps
Net Interest Margin2.49%2.70%2.87%2.92%3.17%3.17%3.36%3.29%+37 bps
Efficiency Ratio80.58%81.77%89.55%84.31%87.60%96.25%84.48%86.50%+219 bps
Growth
Asset Growth (YoY)0.80%0.06%-2.86%0.10%-3.98%-0.06%1.58%2.45%+235 bps
Loan Growth (YoY)-1.13%-3.60%-4.33%-4.28%-3.51%-5.97%-4.49%-7.01%-273 bps
Share Growth (YoY)0.96%0.36%-2.97%0.34%-4.08%0.71%2.59%3.57%+323 bps
Asset Quality
Delinquent Loans / Loans2.88%2.22%2.09%1.40%0.00%0.12%0.00%0.09%-131 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 Capital12.47%12.75%12.86%12.58%12.56%11.83%11.65%11.27%-130 bps
Net Worth / Assets12.47%12.75%12.86%12.58%12.56%11.83%11.65%11.27%-130 bps
Liquidity & Funding
Loans / Shares69.00%70.13%69.23%66.63%69.41%65.48%64.45%59.83%-681 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

Lowell Firefighters

Lowell, MA · Charter 67767 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$28.3MAssets
$14.9MLoans
$25.0MShares
$3.2MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 19 of 66).
  • Widest gap: return on assets trails 76% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 50 of 66).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.38%

Rank 50 of 66

Net Interest Margin

3.29%

Rank 32 of 66

Efficiency Ratio

86.50%

Rank 49 of 66

Equity / Assets

11.27%

Rank 44 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.38%0.38%0.59%1.00%Beats 24%50 / 66
Return on Equity3.39%2.62%4.89%6.39%Beats 36%42 / 66
Net Interest Margin3.29%2.83%3.27%3.84%Beats 52%32 / 66
Efficiency Ratio86.50%68.43%80.15%87.18%Beats 27%49 / 66
Asset Quality
Nonperforming Loans / Loans0.09%0.08%0.48%1.18%Beats 73%19 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.27%9.84%13.79%17.21%Beats 33%44 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.27%9.84%13.79%17.21%Beats 33%44 / 66
Liquidity & Funding
Loans / Deposits59.82%50.73%71.54%81.61%36th pctl42 / 66
Loans / Assets52.81%40.53%57.05%68.92%42nd pctl38 / 66
Brokered Deposits / Depositsn/aNot reported for this institution