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Tremont

Boston, MA · Charter 68349

NCUA · 4 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

8

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

Tremont

Boston, MA · Charter 68349

NCUA · 4 branches

Q2 2026

$256.5MAssets
$172.9MLoans
$216.8MShares
$27.3MNet 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 0.14%, down 22 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 1.43% of loans (-65 bps YoY).
  • Capital: net worth / assets of 10.63%, up 34 bps from a year ago.
  • Funding: loans stand at 79.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+3 bps YoY

Efficiency Ratio (YTD, annualized)

101.30%+734 bps YoY

Net Worth / Assets

10.63%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.36%0.29%0.16%0.14%-22 bps
Return on Equity3.43%3.44%2.76%1.48%1.29%-214 bps
Net Interest Margin3.10%3.17%3.17%3.08%3.13%+3 bps
Efficiency Ratio93.96%96.44%98.17%105.54%101.30%+734 bps
Growth
Asset Growth (YoY)2.81%0.71%0.41%-2.80%-2.77%-558 bps
Loan Growth (YoY)-7.20%-4.26%-4.89%-2.51%-0.78%+643 bps
Share Growth (YoY)4.84%5.77%4.45%0.93%-0.14%-497 bps
Asset Quality
Delinquent Loans / Loans2.07%1.90%1.67%0.83%1.43%-65 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 Capital10.29%10.36%10.36%10.51%10.63%+34 bps
Net Worth / Assets10.29%10.36%10.36%10.51%10.63%+34 bps
Liquidity & Funding
Loans / Shares80.26%78.98%78.22%78.80%79.75%-52 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

Tremont

Boston, MA · Charter 68349 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 4 branches

Q2 2026

$256.5MAssets
$172.9MLoans
$216.8MShares
$27.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 45% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 36 of 66).
  • Widest gap: efficiency ratio trails 92% 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 0 of 7 directional measures.

Return on Assets

0.14%

Rank 61 of 66

Net Interest Margin

3.13%

Rank 36 of 66

Efficiency Ratio

101.30%

Rank 62 of 66

Equity / Assets

10.63%

Rank 46 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.14%0.38%0.59%1.00%Beats 8%61 / 66
Return on Equity1.29%2.62%4.89%6.39%Beats 9%60 / 66
Net Interest Margin3.13%2.83%3.27%3.84%Beats 45%36 / 66
Efficiency Ratio101.30%68.43%80.15%87.18%Beats 8%62 / 66
Asset Quality
Nonperforming Loans / Loans1.43%0.08%0.48%1.18%Beats 20%54 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.63%9.84%13.79%17.21%Beats 30%46 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.63%9.84%13.79%17.21%Beats 30%46 / 66
Liquidity & Funding
Loans / Deposits79.75%50.73%71.54%81.61%68th pctl21 / 66
Loans / Assets67.41%40.53%57.05%68.92%68th pctl21 / 66
Brokered Deposits / Depositsn/aNot reported for this institution