| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.9% | -4.4 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | +3.4% | +2.9% | +0.4 pts |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 6.1% | 5.9% | +0.1 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $168.6M | $150.1M | $115.4M | $18.2M | $277K | 0.66% | 3.75% | 0.61% | 10,582 |
| Q4 2025 | $167.3M | $149.0M | $116.5M | $18.0M | $1.2M | 0.74% | 3.77% | 0.72% | 10,700 |
| Q3 2025 | $166.4M | $148.2M | $113.7M | $17.7M | $943K | 0.76% | 3.78% | 0.98% | 10,692 |
| Q2 2025 | $167.8M | $150.1M | $112.9M | $17.4M | $640K | 0.76% | 3.70% | 0.88% | 10,688 |
| Q1 2025 | $169.4M | $152.0M | $111.7M | $17.1M | $319K | 0.75% | 3.56% | 0.62% | 11,051 |
| Q4 2024 | $162.6M | $145.4M | $111.3M | $16.8M | $1.3M | 0.81% | 3.50% | 1.34% | 10,990 |
| Q3 2024 | $161.4M | $144.6M | $110.4M | $16.4M | $957K | 0.79% | 3.46% | 0.29% | 11,026 |
| Q2 2024 | $165.0M | $148.0M | $109.6M | $16.1M | $590K | 0.71% | 3.30% |
| Ratio | New Bedford Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 11,013 |
Loan mix (Q1 2026): real estate $86.6M · commercial $0 · consumer $15.3M · securities $33.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 78.7% | 63th |
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 | New Bedford 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 | New Bedford 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 | New Bedford 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 | New Bedford 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.