Hanscom AFB, MA · Charter 9095
NCUA · 17 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
69
Profitability
22
Liquidity
95
Efficiency
3
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.
Hanscom AFB, MA · Charter 9095
NCUA · 17 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 | 0.22% | 0.13% | 0.21% | 0.33% | 0.37% | 0.10% | 0.33% | 0.33% | 0 bps | |
| Return on Equity | 1.87% | 1.07% | 1.79% | 2.83% | 3.08% | 1.02% | 3.16% | 3.19% | +36 bps | |
| Net Interest Margin | 3.27% | 3.28% | 3.14% | 3.16% | 3.18% | 2.66% | 3.21% | 3.26% | +10 bps | |
| Efficiency Ratio | 75.29% | 76.31% | 83.52% | 83.11% | 82.86% | 84.37% | 88.94% | 88.77% | +566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.68% | -0.83% | -0.55% | 0.73% | 1.61% | 21.91% | 19.07% | 18.39% | +1,766 bps | |
| Loan Growth (YoY) | -3.14% | -1.68% | -2.74% | -4.28% | -5.02% | 7.12% | 10.47% | 14.05% | +1,833 bps | |
| Share Growth (YoY) | -0.49% | -0.79% | -0.91% | 1.08% | 2.93% | 24.80% | 20.94% | 20.75% | +1,967 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 1.56% | 0.48% | 0.63% | 0.56% | 0.74% | 0.60% | 0.51% | -12 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 | 11.83% | 11.78% | 11.66% | 11.80% | 11.88% | 9.95% | 10.35% | 10.47% | -134 bps | |
| Net Worth / Assets | 11.83% | 11.78% | 11.66% | 11.80% | 11.88% | 9.95% | 10.35% | 10.47% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.84% | 98.30% | 93.62% | 92.25% | 91.20% | 84.38% | 85.51% | 87.13% | -512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hanscom AFB, MA · Charter 9095 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 17 branches
Q2 2026
Return on Assets
0.33%
Rank 383 of 435
Net Interest Margin
3.26%
Rank 258 of 435
Efficiency Ratio
88.77%
Rank 421 of 435
Equity / Assets
10.47%
Rank 261 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.33% | 0.55% | 0.81% | 1.14% | Beats 12% | 383 / 435 | ||
| Return on Equity | 3.19% | 5.12% | 7.41% | 9.70% | Beats 12% | 383 / 435 | ||
| Net Interest Margin | 3.26% | 3.01% | 3.39% | 3.75% | Beats 41% | 258 / 435 | ||
| Efficiency Ratio | 88.77% | 65.25% | 71.39% | 77.86% | Beats 3% | 421 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.45% | 0.69% | 1.05% | Beats 69% | 138 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.47% | 9.81% | 10.84% | 12.63% | Beats 40% | 261 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.47% | 9.81% | 10.84% | 12.63% | Beats 40% | 261 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.13% | 78.33% | 88.38% | 95.61% | 46th pctl | 235 / 435 | ||
| Loans / Assets | 77.23% | 67.69% | 74.58% | 80.80% | 60th pctl | 176 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||