Holyoke, MA · Charter 67875
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
23
Profitability
33
Liquidity
33
Efficiency
42
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.
Holyoke, MA · Charter 67875
NCUA · 3 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 | 0.15% | 0.18% | 0.37% | 0.41% | 0.45% | 0.39% | 0.42% | 0.48% | +7 bps | |
| Return on Equity | 1.72% | 2.03% | 4.29% | 4.57% | 4.95% | 4.39% | 4.70% | 5.20% | +62 bps | |
| Net Interest Margin | 2.12% | 2.20% | 2.61% | 2.77% | 2.83% | 2.85% | 3.18% | 3.28% | +50 bps | |
| Efficiency Ratio | 93.16% | 92.16% | 84.36% | 83.67% | 81.72% | 82.67% | 82.97% | 81.00% | -266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.18% | 8.06% | 10.81% | 1.23% | 1.35% | 2.33% | 1.30% | 2.68% | +145 bps | |
| Loan Growth (YoY) | 33.70% | 34.81% | 26.69% | 13.82% | 13.92% | 9.87% | 13.33% | 12.25% | -157 bps | |
| Share Growth (YoY) | -0.49% | 1.17% | 4.15% | 2.83% | 7.13% | 6.23% | 4.33% | 5.08% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.86% | 0.36% | 0.46% | 0.51% | 0.39% | 0.36% | 1.42% | +96 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 | 8.73% | 8.71% | 8.65% | 8.97% | 9.02% | 8.90% | 8.94% | 9.16% | +20 bps | |
| Net Worth / Assets | 8.73% | 8.71% | 8.65% | 8.97% | 9.02% | 8.90% | 8.94% | 9.16% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.48% | 77.40% | 74.92% | 79.16% | 80.26% | 80.05% | 81.38% | 84.56% | +540 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Holyoke, MA · Charter 67875 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.48%
Rank 1,162 of 1,683
Net Interest Margin
3.28%
Rank 1,287 of 1,683
Efficiency Ratio
81.01%
Rank 981 of 1,682
Equity / Assets
9.16%
Rank 1,487 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,162 / 1,683 | ||
| Return on Equity | 5.19% | 2.67% | 5.89% | 8.74% | Beats 44% | 942 / 1,681 | ||
| Net Interest Margin | 3.28% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,287 / 1,683 | ||
| Efficiency Ratio | 81.01% | 68.91% | 78.20% | 86.93% | Beats 42% | 981 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,301 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.16% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,487 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.16% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,487 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.56% | 52.61% | 69.38% | 83.50% | 77th pctl | 388 / 1,683 | ||
| Loans / Assets | 68.56% | 44.71% | 59.18% | 70.72% | 71st pctl | 494 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||