Lynn, MA · Charter 67840
NCUA · 2 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 under $1B in assets in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
30
Profitability
11
Liquidity
40
Efficiency
25
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.
Lynn, MA · Charter 67840
NCUA · 2 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 | 0.34% | 0.27% | 1.27% | 1.01% | 0.98% | 0.90% | 0.56% | 0.33% | -67 bps | |
| Return on Equity | 1.23% | 0.97% | 4.53% | 3.57% | 3.44% | 3.23% | 2.15% | 1.29% | -228 bps | |
| Net Interest Margin | 2.46% | 2.53% | 3.12% | 2.88% | 2.74% | 2.85% | 2.14% | 2.16% | -71 bps | |
| Efficiency Ratio | 86.12% | 87.36% | 59.21% | 65.00% | 64.34% | 68.59% | 73.81% | 84.59% | +1,959 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.90% | -3.43% | -0.73% | -1.25% | 0.62% | 4.37% | 10.47% | 11.31% | +1,256 bps | |
| Loan Growth (YoY) | 22.34% | 6.18% | -10.19% | -14.85% | -19.05% | -20.45% | -13.09% | -11.59% | +326 bps | |
| Share Growth (YoY) | -7.88% | -5.92% | -2.74% | -3.47% | -0.42% | 4.53% | 13.27% | 14.62% | +1,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 0.19% | 1.50% | 0.50% | 0.67% | 0.10% | 0.57% | 1.35% | +85 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 | 27.82% | 28.15% | 28.03% | 28.23% | 28.39% | 27.81% | 26.01% | 25.85% | -238 bps | |
| Net Worth / Assets | 27.82% | 28.15% | 28.03% | 28.23% | 28.39% | 27.81% | 26.01% | 25.85% | -238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.57% | 64.94% | 58.29% | 56.23% | 54.93% | 49.42% | 44.73% | 43.37% | -1,286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lynn, MA · Charter 67840 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 2 branches
Q2 2026
Return on Assets
0.33%
Rank 20 of 24
Net Interest Margin
2.16%
Rank 24 of 24
Efficiency Ratio
84.92%
Rank 19 of 24
Equity / Assets
25.85%
Rank 5 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.33% | 0.41% | 0.67% | 1.12% | Beats 17% | 20 / 24 | ||
| Return on Equity | 1.26% | 2.16% | 5.02% | 6.69% | Beats 17% | 20 / 24 | ||
| Net Interest Margin | 2.16% | 3.10% | 3.61% | 4.01% | Beats 0% | 24 / 24 | ||
| Efficiency Ratio | 84.92% | 71.14% | 80.00% | 84.92% | Beats 25% | 19 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.36% | 0.07% | 0.54% | 1.38% | Beats 30% | 17 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.85% | 10.05% | 16.75% | 21.42% | Beats 79% | 5 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.85% | 10.05% | 16.75% | 21.42% | Beats 79% | 5 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.36% | 42.86% | 62.34% | 82.18% | 26th pctl | 17 / 23 | ||
| Loans / Assets | 32.11% | 32.11% | 55.16% | 70.89% | 25th pctl | 18 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||