Springfield, MA · Charter 67965
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
5
Profitability
34
Liquidity
12
Efficiency
1
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.
Springfield, MA · Charter 67965
NCUA · 2 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.42% | 2.24% | 0.38% | -0.39% | 2.62% | 4.50% | 2.76% | -9.89% | -949 bps | |
| Return on Equity | 21.17% | 8.70% | 1.38% | -1.38% | 9.05% | 15.07% | 9.16% | -47.26% | -4,588 bps | |
| Net Interest Margin | 6.83% | 6.87% | 7.73% | 7.94% | 6.91% | 6.77% | 6.96% | 7.30% | -64 bps | |
| Efficiency Ratio | 76.77% | 86.07% | 92.78% | 90.92% | 85.79% | 83.58% | 93.34% | 166.14% | +7,522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.90% | 0.06% | -11.11% | -16.74% | -16.86% | -13.33% | -4.62% | -8.95% | +778 bps | |
| Loan Growth (YoY) | -7.91% | -14.71% | -16.31% | -13.36% | -17.63% | -6.42% | -2.18% | -5.39% | +797 bps | |
| Share Growth (YoY) | 2.17% | -0.14% | -15.06% | -21.39% | -20.91% | -18.46% | -8.14% | -6.75% | +1,465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.87% | 7.95% | 3.52% | 3.50% | 2.47% | 5.94% | 6.93% | 4.08% | +58 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 | 25.59% | 25.81% | 27.89% | 28.52% | 28.94% | 29.89% | 30.14% | 20.92% | -760 bps | |
| Net Worth / Assets | 25.59% | 25.81% | 27.89% | 28.52% | 28.94% | 29.89% | 30.14% | 20.92% | -760 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.63% | 38.44% | 42.85% | 43.52% | 42.31% | 44.11% | 45.62% | 44.15% | +63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MA · Charter 67965 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 2 branches
Q4 2025
Return on Assets
-9.93%
Rank 1,622 of 1,625
Net Interest Margin
7.30%
Rank 8 of 1,625
Efficiency Ratio
166.67%
Rank 1,613 of 1,622
Equity / Assets
20.88%
Rank 195 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -9.93% | 0.37% | 0.76% | 1.21% | Beats 0% | 1,622 / 1,625 | ||
| Return on Equity | -47.53% | 2.80% | 6.06% | 8.96% | Beats 1% | 1,613 / 1,623 | ||
| Net Interest Margin | 7.30% | 3.25% | 3.80% | 4.36% | Beats 100% | 8 / 1,625 | ||
| Efficiency Ratio | 166.67% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,613 / 1,622 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.01% | 0.28% | 0.70% | 1.35% | Beats 5% | 1,550 / 1,623 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.92% | 10.44% | 12.79% | 16.54% | Beats 88% | 194 / 1,625 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.88% | 10.44% | 12.79% | 16.54% | Beats 88% | 195 / 1,624 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.15% | 54.72% | 71.33% | 84.54% | 13th pctl | 1,413 / 1,624 | ||
| Loans / Assets | 32.68% | 46.04% | 60.45% | 71.73% | 9th pctl | 1,480 / 1,624 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||