Naveo Somerville, MA · Charter 68046 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 3 branches
Q2 2026
$176.3M Assets
$112.6M Loans
$151.4M Shares
$15.1M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 65% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 23 of 66). Widest gap: equity / assets trails 94% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 62 of 66). Overall: at or above the peer median on 2 of 7 directional measures. Return on Assets
0.36%
Rank 51 of 66
Net Interest Margin
3.60%
Rank 23 of 66
Efficiency Ratio
89.88%
Rank 56 of 66
Equity / Assets
8.57%
Rank 62 of 66
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.36% 0.38% 0.59% 1.00% Beats 23% 51 / 66 Return on Equity 4.21% 2.62% 4.89% 6.39% Beats 45% 36 / 66 Net Interest Margin 3.60% 2.83% 3.27% 3.84% Beats 65% 23 / 66 Efficiency Ratio 89.88% 68.43% 80.15% 87.18% Beats 17% 56 / 66 Asset Quality Nonperforming Loans / Loans 0.39% 0.08% 0.48% 1.18% Beats 56% 30 / 66 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 8.57% 9.84% 13.79% 17.21% Beats 6% 62 / 66 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 8.57% 9.84% 13.79% 17.21% Beats 6% 62 / 66 Liquidity & Funding Loans / Deposits 74.33% 50.73% 71.54% 81.61% 58th pctl 28 / 66 Loans / Assets 63.86% 40.53% 57.05% 68.92% 61st pctl 26 / 66 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11