Boston, MA · Charter 68349
NCUA · 4 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 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.
Capital
30
Asset Quality
20
Profitability
21
Liquidity
61
Efficiency
8
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.
Boston, MA · Charter 68349
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.25% | 0.23% | 0.35% | 0.36% | 0.29% | 0.16% | 0.14% | -22 bps | |
| Return on Equity | -4.21% | -2.41% | 2.26% | 3.43% | 3.44% | 2.76% | 1.48% | 1.29% | -214 bps | |
| Net Interest Margin | 3.32% | 3.26% | 3.11% | 3.10% | 3.17% | 3.17% | 3.08% | 3.13% | +3 bps | |
| Efficiency Ratio | 91.24% | 91.32% | 90.37% | 93.96% | 96.44% | 98.17% | 105.54% | 101.30% | +734 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -0.26% | 0.74% | 2.81% | 0.71% | 0.41% | -2.80% | -2.77% | -558 bps | |
| Loan Growth (YoY) | -2.71% | -6.83% | -7.36% | -7.20% | -4.26% | -4.89% | -2.51% | -0.78% | +643 bps | |
| Share Growth (YoY) | 0.08% | 1.04% | 1.78% | 4.84% | 5.77% | 4.45% | 0.93% | -0.14% | -497 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 2.20% | 1.42% | 2.07% | 1.90% | 1.67% | 0.83% | 1.43% | -65 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 | 10.23% | 10.24% | 10.08% | 10.29% | 10.36% | 10.36% | 10.51% | 10.63% | +34 bps | |
| Net Worth / Assets | 10.23% | 10.24% | 10.08% | 10.29% | 10.36% | 10.36% | 10.51% | 10.63% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.25% | 85.90% | 81.58% | 80.26% | 78.98% | 78.22% | 78.80% | 79.75% | -52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.38% | 0.59% | 1.00% | Beats 8% | 61 / 66 | ||
| Return on Equity | 1.29% | 2.62% | 4.89% | 6.39% | Beats 9% | 60 / 66 | ||
| Net Interest Margin | 3.13% | 2.83% | 3.27% | 3.84% | Beats 45% | 36 / 66 | ||
| Efficiency Ratio | 101.30% | 68.43% | 80.15% | 87.18% | Beats 8% | 62 / 66 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.43% | 0.08% | 0.48% | 1.18% | Beats 20% | 54 / 66 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.63% | 9.84% | 13.79% | 17.21% | Beats 30% | 46 / 66 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.63% | 9.84% | 13.79% | 17.21% | Beats 30% | 46 / 66 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.75% | 50.73% | 71.54% | 81.61% | 68th pctl | 21 / 66 | ||
| Loans / Assets | 67.41% | 40.53% | 57.05% | 68.92% | 68th pctl | 21 / 66 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||