North Grafton, MA · Charter 68057
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
22
Asset Quality
49
Profitability
19
Liquidity
0
Efficiency
14
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.
North Grafton, MA · Charter 68057
NCUA · 2 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 | 0.22% | 0.23% | 0.23% | 0.19% | 0.23% | +2 bps | |
| Return on Equity | 2.20% | 2.31% | 2.32% | 1.85% | 2.32% | +12 bps | |
| Net Interest Margin | 2.77% | 2.78% | 2.86% | 2.97% | 3.07% | +30 bps | |
| Efficiency Ratio | 92.33% | 92.04% | 92.32% | 94.49% | 92.60% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.43% | -3.12% | -3.02% | -3.00% | -0.80% | +363 bps | |
| Loan Growth (YoY) | -5.00% | -3.94% | -5.04% | -5.81% | -4.14% | +86 bps | |
| Share Growth (YoY) | 0.74% | 3.63% | 2.28% | 3.87% | 2.25% | +151 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 0.66% | 1.13% | 0.71% | 0.69% | -100 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 | 9.83% | 9.80% | 9.91% | 10.04% | 10.12% | +29 bps | |
| Net Worth / Assets | 9.83% | 9.80% | 9.91% | 10.04% | 10.12% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.49% | 97.94% | 98.36% | 91.84% | 92.34% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Grafton, MA · Charter 68057 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.23%
Rank 1,361 of 1,683
Net Interest Margin
3.07%
Rank 1,411 of 1,683
Efficiency Ratio
92.62%
Rank 1,451 of 1,682
Equity / Assets
10.12%
Rank 1,319 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,361 / 1,683 | |
| Return on Equity | 2.32% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,309 / 1,681 | |
| Net Interest Margin | 3.07% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,411 / 1,683 | |
| Efficiency Ratio | 92.62% | 68.91% | 78.20% | 86.93% | Beats 14% | 1,451 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 49% | 867 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,319 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,319 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.34% | 52.61% | 69.38% | 83.50% | 90th pctl | 165 / 1,683 | |
| Loans / Assets | 79.01% | 44.71% | 59.18% | 70.72% | 90th pctl | 164 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||