| Metric | Mass Bay Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.4 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.1 pts |
| ROA | 0.50% | 0.69% | -0.2 pts |
| ROE | 4.5% | 5.9% | -1.5 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $367.7M | $260.5M | $305.8M | $41.4M | $461K | 0.50% | 2.89% | 0.64% | 17,688 |
| Q4 2025 | $362.4M | $253.6M | $307.8M | $41.0M | $2.1M | 0.59% | 2.87% | 0.78% | 17,626 |
| Q3 2025 | $361.6M | $249.6M | $307.1M | $40.3M | $1.4M | 0.53% | 2.85% | 0.74% | 18,222 |
| Q2 2025 | $359.0M | $251.1M | $300.0M | $39.7M | $787K | 0.44% | 2.79% | 0.71% | 18,204 |
| Q1 2025 | $362.3M | $255.2M | $296.7M | $39.2M | $326K | 0.36% | 2.68% | 0.30% | 18,128 |
| Q4 2024 | $354.7M | $248.3M | $296.0M | $38.9M | $1.7M | 0.48% | 2.76% | 0.90% | 18,043 |
| Q3 2024 | $358.1M | $249.9M | $295.3M | $38.2M | $994K | 0.37% | 2.72% | 1.13% | 18,231 |
| Q2 2024 | $355.7M | $249.6M | $295.1M | $37.9M | $632K | 0.36% | 2.73% |
| Ratio | Mass Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 18,730 |
Loan mix (Q1 2026): real estate $265.2M · commercial $337K · consumer $40.0M · securities $34.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 78.7% | 72th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mass Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mass Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mass Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mass Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.