Holyoke
Holyoke, MA · Charter 67875 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$296.4MAssets
$203.2MLoans
$240.3MShares
$27.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 44% of credit unions under $1B in assets (rank 942 of 1681).
- Widest gap: equity / assets trails 88% of credit unions under $1B in assets (rank 1487 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 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 |