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Norfolk Community

Norfolk, MA · Charter 8828

NCUA · 1 branch

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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

76

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

Norfolk Community

Norfolk, MA · Charter 8828

NCUA · 1 branch

Q2 2026

$33.0MAssets
$18.8MLoans
$27.5MShares
$4.2MNet 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 1.11%, up 70 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.48% of loans (-5 bps YoY).
  • Capital: net worth / assets of 12.67%, up 56 bps from a year ago.
  • Funding: loans stand at 68.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+70 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+74 bps YoY

Efficiency Ratio (YTD, annualized)

68.33%-1,584 bps YoY

Net Worth / Assets

12.67%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.68%0.88%1.16%1.11%+70 bps
Return on Equity3.36%5.83%7.46%9.47%8.73%+537 bps
Net Interest Margin3.12%3.18%3.38%3.83%3.86%+74 bps
Efficiency Ratio84.17%77.11%73.34%64.95%68.33%-1,584 bps
Growth
Asset Growth (YoY)8.47%18.15%17.57%13.93%6.09%-238 bps
Loan Growth (YoY)-9.95%-5.23%-4.72%-3.87%-3.54%+641 bps
Share Growth (YoY)10.16%20.84%18.91%14.16%5.06%-510 bps
Asset Quality
Delinquent Loans / Loans0.53%0.76%0.48%0.53%0.48%-5 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 Capital12.11%11.70%11.79%12.20%12.67%+56 bps
Net Worth / Assets12.11%11.70%11.79%12.20%12.67%+56 bps
Liquidity & Funding
Loans / Shares74.59%71.76%68.86%68.38%68.48%-611 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

Norfolk Community

Norfolk, MA · Charter 8828 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$33.0MAssets
$18.8MLoans
$27.5MShares
$4.2MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 7 of 66).
  • Widest gap: equity / assets trails 61% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 40 of 66).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.11%

Rank 14 of 66

Net Interest Margin

3.86%

Rank 16 of 66

Efficiency Ratio

68.43%

Rank 17 of 66

Equity / Assets

12.67%

Rank 40 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.38%0.59%1.00%Beats 79%14 / 66
Return on Equity8.75%2.62%4.89%6.39%Beats 89%7 / 66
Net Interest Margin3.86%2.83%3.27%3.84%Beats 76%16 / 66
Efficiency Ratio68.43%68.43%80.15%87.18%Beats 76%17 / 66
Asset Quality
Nonperforming Loans / Loans0.48%0.08%0.48%1.18%Beats 52%33 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.67%9.84%13.79%17.21%Beats 39%40 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.67%9.84%13.79%17.21%Beats 39%40 / 66
Liquidity & Funding
Loans / Deposits68.48%50.73%71.54%81.61%45th pctl36 / 66
Loans / Assets57.03%40.53%57.05%68.92%48th pctl34 / 66
Brokered Deposits / Depositsn/aNot reported for this institution