Alpha
Boston, MA · Charter 67872 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 2 branches
Q2 2026
$35.1MAssets
$19.4MLoans
$28.2MShares
$6.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 4 of 66).
- Widest gap: nonperforming loans / loans trails 32% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 22 of 66).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.97%
Rank 4 of 66
Net Interest Margin
4.56%
Rank 5 of 66
Efficiency Ratio
63.74%
Rank 12 of 66
Equity / Assets
18.78%
Rank 15 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.97% | 0.38% | 0.59% | 1.00% | Beats 94% | 4 / 66 | | |
| Return on Equity | 10.51% | 2.62% | 4.89% | 6.39% | Beats 92% | 5 / 66 | | |
| Net Interest Margin | 4.56% | 2.83% | 3.27% | 3.84% | Beats 92% | 5 / 66 | | |
| Efficiency Ratio | 63.74% | 68.43% | 80.15% | 87.18% | Beats 83% | 12 / 66 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.08% | 0.48% | 1.18% | Beats 68% | 22 / 66 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.78% | 9.84% | 13.79% | 17.21% | Beats 77% | 15 / 66 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.78% | 9.84% | 13.79% | 17.21% | Beats 77% | 15 / 66 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.97% | 50.73% | 71.54% | 81.61% | 47th pctl | 35 / 66 | | |
| Loans / Assets | 55.37% | 40.53% | 57.05% | 68.92% | 47th pctl | 35 / 66 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |