Westport, MA · Charter 7652
NCUA · 1 branch
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 Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
68
Profitability
84
Liquidity
46
Efficiency
84
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.
Westport, MA · Charter 7652
NCUA · 1 branch
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 | 1.38% | 1.40% | 0.87% | 0.98% | 1.00% | 1.04% | 0.90% | 1.22% | +24 bps | |
| Return on Equity | 15.15% | 14.52% | 9.34% | 10.72% | 10.88% | 11.02% | 9.44% | 12.32% | +159 bps | |
| Net Interest Margin | 3.64% | 3.79% | 3.53% | 3.41% | 3.39% | 3.45% | 3.48% | 3.62% | +21 bps | |
| Efficiency Ratio | 65.79% | 66.10% | 77.92% | 73.39% | 72.03% | 71.26% | 75.71% | 69.33% | -406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | 0.37% | 1.94% | 7.55% | 11.71% | 13.91% | 9.70% | 4.18% | -338 bps | |
| Loan Growth (YoY) | -2.84% | -2.12% | -0.68% | 2.61% | 14.02% | 17.89% | 19.28% | 18.85% | +1,624 bps | |
| Share Growth (YoY) | -0.96% | -1.01% | 0.93% | 7.10% | 11.60% | 14.07% | 9.42% | 3.25% | -384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.67% | 0.62% | 1.11% | 0.52% | 1.37% | 1.19% | 0.37% | -74 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 | 9.09% | 9.62% | 9.32% | 9.15% | 9.17% | 9.47% | 9.53% | 9.94% | +79 bps | |
| Net Worth / Assets | 9.09% | 9.62% | 9.32% | 9.15% | 9.17% | 9.47% | 9.53% | 9.94% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.18% | 51.90% | 48.73% | 47.61% | 51.26% | 53.64% | 53.12% | 54.80% | +719 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Westport, MA · Charter 7652 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
1.22%
Rank 2 of 25
Net Interest Margin
3.62%
Rank 9 of 25
Efficiency Ratio
69.35%
Rank 5 of 25
Equity / Assets
9.94%
Rank 19 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.39% | 0.58% | 0.96% | Beats 92% | 2 / 25 | ||
| Return on Equity | 12.31% | 3.08% | 5.38% | 8.04% | Beats 96% | 1 / 25 | ||
| Net Interest Margin | 3.62% | 2.78% | 3.19% | 3.68% | Beats 64% | 9 / 25 | ||
| Efficiency Ratio | 69.35% | 74.87% | 81.63% | 89.25% | Beats 84% | 5 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.21% | 0.48% | 0.93% | Beats 68% | 9 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.94% | 9.94% | 11.40% | 12.51% | Beats 24% | 19 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.94% | 9.94% | 11.40% | 12.51% | Beats 24% | 19 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.80% | 54.80% | 74.79% | 86.25% | 24th pctl | 19 / 25 | ||
| Loans / Assets | 49.28% | 49.28% | 61.62% | 76.11% | 24th pctl | 19 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||