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Arlington Municipal

Arlington, MA · Charter 9805

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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

68

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

Arlington Municipal

Arlington, MA · Charter 9805

NCUA · 1 branch

Q2 2026

$9.8MAssets
$6.9MLoans
$6.9MShares
$2.8MNet 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 0.72%, down 69 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.59% of loans (+43 bps YoY).
  • Capital: net worth / assets of 29.10%, up 80 bps from a year ago.
  • Funding: loans stand at 99.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-69 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-18 bps YoY

Efficiency Ratio (YTD, annualized)

73.81%-131 bps YoY

Net Worth / Assets

29.10%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.41%1.30%0.63%0.72%-69 bps
Return on Equity5.00%4.75%4.38%2.14%2.48%-252 bps
Net Interest Margin3.78%4.03%4.01%3.61%3.60%-18 bps
Efficiency Ratio75.12%73.28%68.99%76.60%73.81%-131 bps
Growth
Asset Growth (YoY)-0.49%-2.31%-1.61%-0.47%0.40%+89 bps
Loan Growth (YoY)-7.78%-12.98%-16.77%-18.75%-16.60%-881 bps
Share Growth (YoY)-3.00%-5.67%-4.09%-1.82%-0.77%+222 bps
Asset Quality
Delinquent Loans / Loans1.16%1.07%1.49%1.38%1.59%+43 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 Capital28.30%29.61%29.76%29.23%29.10%+80 bps
Net Worth / Assets28.30%29.61%29.76%29.23%29.10%+80 bps
Liquidity & Funding
Loans / Shares118.39%118.41%112.11%103.71%99.51%-1,888 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

Arlington Municipal

Arlington, MA · Charter 9805 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$9.8MAssets
$6.9MLoans
$6.9MShares
$2.8MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 66).
  • Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 59 of 66).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.72%

Rank 27 of 66

Net Interest Margin

3.60%

Rank 24 of 66

Efficiency Ratio

73.86%

Rank 22 of 66

Equity / Assets

29.10%

Rank 5 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.72%0.38%0.59%1.00%Beats 59%27 / 66
Return on Equity2.46%2.62%4.89%6.39%Beats 20%53 / 66
Net Interest Margin3.60%2.83%3.27%3.84%Beats 64%24 / 66
Efficiency Ratio73.86%68.43%80.15%87.18%Beats 68%22 / 66
Asset Quality
Nonperforming Loans / Loans1.59%0.08%0.48%1.18%Beats 12%59 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio29.10%9.84%13.79%17.21%Beats 92%5 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets29.10%9.84%13.79%17.21%Beats 92%5 / 66
Liquidity & Funding
Loans / Deposits99.51%50.73%71.54%81.61%91st pctl6 / 66
Loans / Assets70.14%40.53%57.05%68.92%80th pctl13 / 66
Brokered Deposits / Depositsn/aNot reported for this institution