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St. Jean's

Lynn, MA · Charter 67959

NCUA · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Jean's

Lynn, MA · Charter 67959

NCUA · 6 branches

Q2 2026

$372.5MAssets
$256.8MLoans
$326.0MShares
$36.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.29%, down 8 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.54% of loans (+17 bps YoY).
  • Capital: net worth / assets of 9.84%, up 72 bps from a year ago.
  • Funding: loans stand at 78.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+18 bps YoY

Efficiency Ratio (YTD, annualized)

89.98%+219 bps YoY

Net Worth / Assets

9.84%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.43%0.39%0.29%0.29%-8 bps
Return on Equity4.10%4.52%4.08%2.98%2.96%-114 bps
Net Interest Margin2.70%2.84%2.83%2.80%2.89%+18 bps
Efficiency Ratio87.79%85.85%86.73%94.23%89.98%+219 bps
Growth
Asset Growth (YoY)3.45%0.57%0.00%-2.94%-4.26%-771 bps
Loan Growth (YoY)3.32%2.20%0.24%-1.32%0.80%-253 bps
Share Growth (YoY)5.74%2.26%2.10%-1.23%-2.65%-839 bps
Asset Quality
Delinquent Loans / Loans0.37%0.38%0.54%0.22%0.54%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.11%9.51%9.54%9.64%9.84%+72 bps
Net Worth / Assets9.11%9.51%9.54%9.64%9.84%+72 bps
Liquidity & Funding
Loans / Shares76.06%78.15%76.52%75.93%78.75%+269 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

St. Jean's

Lynn, MA · Charter 67959 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 6 branches

Q2 2026

$372.5MAssets
$256.8MLoans
$326.0MShares
$36.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 47% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 36 of 66).
  • Widest gap: efficiency ratio trails 85% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 57 of 66).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.29%

Rank 55 of 66

Net Interest Margin

2.89%

Rank 47 of 66

Efficiency Ratio

89.97%

Rank 57 of 66

Equity / Assets

9.84%

Rank 50 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.29%0.38%0.59%1.00%Beats 17%55 / 66
Return on Equity2.96%2.62%4.89%6.39%Beats 29%47 / 66
Net Interest Margin2.89%2.83%3.27%3.84%Beats 29%47 / 66
Efficiency Ratio89.97%68.43%80.15%87.18%Beats 15%57 / 66
Asset Quality
Nonperforming Loans / Loans0.54%0.08%0.48%1.18%Beats 47%36 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.84%9.84%13.79%17.21%Beats 24%50 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.84%9.84%13.79%17.21%Beats 24%50 / 66
Liquidity & Funding
Loans / Deposits78.75%50.73%71.54%81.61%65th pctl23 / 66
Loans / Assets68.92%40.53%57.05%68.92%74th pctl17 / 66
Brokered Deposits / Depositsn/aNot reported for this institution