Mass Bay
South Boston, MA · Charter 68137 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 4 branches
Q2 2026
$366.7MAssets
$304.9MLoans
$259.6MShares
$42.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 56% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 29 of 66).
- Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 46 of 66).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.58%
Rank 34 of 66
Net Interest Margin
2.95%
Rank 45 of 66
Efficiency Ratio
83.48%
Rank 41 of 66
Equity / Assets
11.46%
Rank 42 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.38% | 0.59% | 1.00% | Beats 48% | 34 / 66 | | |
| Return on Equity | 5.09% | 2.62% | 4.89% | 6.39% | Beats 56% | 29 / 66 | | |
| Net Interest Margin | 2.95% | 2.83% | 3.27% | 3.84% | Beats 32% | 45 / 66 | | |
| Efficiency Ratio | 83.48% | 68.43% | 80.15% | 87.18% | Beats 39% | 41 / 66 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.08% | 0.48% | 1.18% | Beats 32% | 46 / 66 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.46% | 9.84% | 13.79% | 17.21% | Beats 36% | 42 / 66 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.46% | 9.84% | 13.79% | 17.21% | Beats 36% | 42 / 66 | | |
| Liquidity & Funding |
| Loans / Deposits | 117.46% | 50.73% | 71.54% | 81.61% | 98th pctl | 1 / 66 | | |
| Loans / Assets | 83.15% | 40.53% | 57.05% | 68.92% | 95th pctl | 3 / 66 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |