Arlington, MA · Charter 9805
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 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
92
Asset Quality
12
Profitability
48
Liquidity
0
Efficiency
68
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.
Arlington, MA · Charter 9805
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 | 1.29% | 1.58% | 1.96% | 1.42% | 1.41% | 1.30% | 0.63% | 0.72% | -69 bps | |
| Return on Equity | 4.72% | 5.65% | 6.95% | 5.00% | 4.75% | 4.38% | 2.14% | 2.48% | -252 bps | |
| Net Interest Margin | 3.84% | 3.93% | 3.93% | 3.78% | 4.03% | 4.01% | 3.61% | 3.60% | -18 bps | |
| Efficiency Ratio | 65.73% | 66.18% | 75.91% | 75.12% | 73.28% | 68.99% | 76.60% | 73.81% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -3.16% | -4.12% | -0.49% | -2.31% | -1.61% | -0.47% | 0.40% | +89 bps | |
| Loan Growth (YoY) | 12.83% | 2.54% | -4.33% | -7.78% | -12.98% | -16.77% | -18.75% | -16.60% | -881 bps | |
| Share Growth (YoY) | -7.56% | -6.47% | -7.99% | -3.00% | -5.67% | -4.09% | -1.82% | -0.77% | +222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.17% | 0.82% | 0.85% | 1.16% | 1.07% | 1.49% | 1.38% | 1.59% | +43 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 | 27.29% | 28.00% | 28.16% | 28.30% | 29.61% | 29.76% | 29.23% | 29.10% | +80 bps | |
| Net Worth / Assets | 27.29% | 28.00% | 28.16% | 28.30% | 29.61% | 29.76% | 29.23% | 29.10% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 128.36% | 129.19% | 125.32% | 118.39% | 118.41% | 112.11% | 103.71% | 99.51% | -1,888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.38% | 0.59% | 1.00% | Beats 59% | 27 / 66 | ||
| Return on Equity | 2.46% | 2.62% | 4.89% | 6.39% | Beats 20% | 53 / 66 | ||
| Net Interest Margin | 3.60% | 2.83% | 3.27% | 3.84% | Beats 64% | 24 / 66 | ||
| Efficiency Ratio | 73.86% | 68.43% | 80.15% | 87.18% | Beats 68% | 22 / 66 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.59% | 0.08% | 0.48% | 1.18% | Beats 12% | 59 / 66 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.10% | 9.84% | 13.79% | 17.21% | Beats 92% | 5 / 66 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.10% | 9.84% | 13.79% | 17.21% | Beats 92% | 5 / 66 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.51% | 50.73% | 71.54% | 81.61% | 91st pctl | 6 / 66 | ||
| Loans / Assets | 70.14% | 40.53% | 57.05% | 68.92% | 80th pctl | 13 / 66 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||