Fall River, MA · Charter 67894
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 in the Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
56
Profitability
9
Liquidity
86
Efficiency
28
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.
Fall River, MA · Charter 67894
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.09% | 0.10% | 0.02% | 0.21% | +20 bps | |
| Return on Equity | 0.10% | 0.89% | 1.06% | 0.26% | 2.25% | +215 bps | |
| Net Interest Margin | 1.76% | 1.72% | 1.71% | 1.94% | 2.01% | +24 bps | |
| Efficiency Ratio | 94.43% | 91.22% | 90.31% | 96.56% | 89.26% | -517 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.15% | 3.93% | 6.26% | 4.96% | 7.48% | +533 bps | |
| Loan Growth (YoY) | -1.56% | 1.97% | 5.17% | 6.05% | 5.67% | +723 bps | |
| Share Growth (YoY) | 8.05% | 7.30% | 8.75% | 5.30% | 8.94% | +88 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.37% | 0.50% | 0.23% | 0.47% | +18 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 9.70% | 9.42% | 9.43% | 9.49% | -50 bps | |
| Net Worth / Assets | 9.99% | 9.70% | 9.42% | 9.43% | 9.49% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.42% | 82.68% | 81.25% | 79.67% | 78.01% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fall River, MA · Charter 67894 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 3 branches
Q2 2026
Return on Assets
0.21%
Rank 22 of 25
Net Interest Margin
2.01%
Rank 24 of 25
Efficiency Ratio
89.25%
Rank 19 of 25
Equity / Assets
9.49%
Rank 21 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.39% | 0.58% | 0.96% | Beats 12% | 22 / 25 | |
| Return on Equity | 2.25% | 3.08% | 5.38% | 8.04% | Beats 12% | 22 / 25 | |
| Net Interest Margin | 2.01% | 2.78% | 3.19% | 3.68% | Beats 4% | 24 / 25 | |
| Efficiency Ratio | 89.25% | 74.87% | 81.63% | 89.25% | Beats 28% | 19 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.21% | 0.48% | 0.93% | Beats 56% | 12 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.49% | 9.94% | 11.40% | 12.51% | Beats 16% | 21 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.49% | 9.94% | 11.40% | 12.51% | Beats 16% | 21 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.01% | 54.80% | 74.79% | 86.25% | 60th pctl | 10 / 25 | |
| Loans / Assets | 59.57% | 49.28% | 61.62% | 76.11% | 32nd pctl | 17 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||