Chicopee, MA · Charter 67951
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 (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
29
Profitability
16
Liquidity
0
Efficiency
18
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.
Chicopee, MA · Charter 67951
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 | 0.12% | 0.12% | 0.10% | 0.13% | 0.15% | 0.18% | 0.25% | 0.25% | +12 bps | |
| Return on Equity | 1.40% | 1.43% | 1.11% | 1.48% | 1.76% | 2.01% | 2.82% | 2.75% | +127 bps | |
| Net Interest Margin | 1.57% | 1.61% | 1.84% | 1.94% | 1.91% | 1.99% | 2.29% | 2.40% | +46 bps | |
| Efficiency Ratio | 92.68% | 92.99% | 93.97% | 92.93% | 92.75% | 92.50% | 89.69% | 90.10% | -283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | -3.17% | -5.13% | -4.39% | -2.69% | -1.89% | -2.46% | -1.73% | +266 bps | |
| Loan Growth (YoY) | -2.12% | -1.97% | -2.29% | 0.39% | 1.98% | 1.08% | 1.96% | -0.38% | -77 bps | |
| Share Growth (YoY) | 3.79% | -5.28% | -4.44% | -6.67% | -8.63% | -2.16% | -3.83% | -0.21% | +646 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.58% | 0.34% | 0.80% | 1.07% | 1.49% | 0.81% | 1.14% | +34 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 | 8.34% | 8.48% | 8.62% | 8.85% | 8.74% | 8.88% | 8.99% | 9.18% | +33 bps | |
| Net Worth / Assets | 8.34% | 8.48% | 8.62% | 8.85% | 8.74% | 8.88% | 8.99% | 9.18% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.04% | 94.71% | 90.96% | 95.00% | 98.26% | 97.85% | 96.44% | 94.85% | -16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicopee, MA · Charter 67951 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.25%
Rank 1,345 of 1,683
Net Interest Margin
2.40%
Rank 1,630 of 1,683
Efficiency Ratio
90.10%
Rank 1,383 of 1,682
Equity / Assets
9.18%
Rank 1,486 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,345 / 1,683 | ||
| Return on Equity | 2.75% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,247 / 1,681 | ||
| Net Interest Margin | 2.40% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,630 / 1,683 | ||
| Efficiency Ratio | 90.10% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,383 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,199 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.18% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,486 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.18% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,486 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.85% | 52.61% | 69.38% | 83.50% | 93rd pctl | 117 / 1,683 | ||
| Loans / Assets | 77.30% | 44.71% | 59.18% | 70.72% | 88th pctl | 209 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||