The Andovers Federal Credit Union
Total assets
$36.5M
▼ -0.2% YoY
Shares & deposits
$31.7M
▼ -1.1% YoY
Loans
$7.9M
▼ -9.5% YoY
Members
2,152
▲ +0.0% YoY
ROA (annualized)
0.80%
peers 0.60%
ROE (annualized)
6.12%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -9.5% | -2.4% | -7.2 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
Profile
- Established
- 1964
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 19C Lupine Rd, Andover, MA, 01810
- NCUA charter #
- 16067
- RSSD ID
- 221382
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.5M | $31.7M | $7.9M | $4.8M | $73K | 0.80% | 2.56% | 1.16% | 2,152 |
| Q4 2025 | $36.2M | $31.5M | $8.2M | $4.7M | $273K | 0.75% | 2.54% | 0.98% | 2,167 |
| Q3 2025 | $36.6M | $31.9M | $8.6M | $4.6M | $171K | 0.62% | 2.41% | 2.10% | 2,115 |
| Q2 2025 | $36.6M | $32.0M | $8.7M | $4.5M | $103K | 0.56% | 2.37% | 2.16% | 2,131 |
| Q1 2025 | $36.5M | $32.0M | $8.7M | $4.5M | $39K | 0.43% | 2.28% | 0.19% | 2,151 |
| Q4 2024 | $35.9M | $31.4M | $8.9M | $4.4M | $130K | 0.36% | 2.19% | 0.09% | 2,170 |
| Q3 2024 | $36.4M | $31.9M | $8.9M | $4.4M | $126K | 0.46% | 2.18% | 0.16% | 2,220 |
| Q2 2024 | $37.3M | $32.9M | $9.2M | $4.4M | $84K | 0.45% | 2.16% | 1.15% | 2,230 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $2.8M · securities $24.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.83% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 81.5% | 33th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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