Peer Data for New England Credit Unions — Second Quarter Report, 2025

The data includes several key credit quality, performance, liquidity, and capital adequacy ratios. We then break out certain ratios that we consider important in determining the financial performance and long-term viability of credit unions.

These key ratios are:

• Return on assets.
• Yield on loans less cost of funds.
• Ratio of operating expenses to gross income.
• Loans to shares.

From there, we rank the credit unions across each of these key ratios as well as total assets and determine an overall ranking based on the average of all these ratios.

On the “all New England” tab, we have included comparable ratios for all credit unions in the U.S. and comparable prior period ratios for New England credit unions.

Some quick observations on the results are as follows:

Performance

ROA for New England, which is typically less than the national average, increased 29 basis points from Q1 2025 to 76 basis points for Q2 2025. 

Credit Quality

The credit quality landscape for New England credit unions has remained consistent since last quarter. New England delinquent loans to total loans increased 12 basis points to .92%. This ratio for the U.S. decreased 2 basis points over the past quarter to .77%. Charge-off rates in Q2 2025 in New England decreased by 11 basis points to .20%. All U.S. credit unions had a slight decrease in annualized charge-off rate to .78%. These ratios have been consistent since the beginning of 2024. 

Capital and Liquidity

The loans to shares ratio for New England Credit Unions was 70% in Q2 2025. On a national level, where the ratio has been significantly higher, the ratio of loans to shares was 83% for Q2 2025, down from 81% the prior quarter. Capital ratios have also remained in a tight range for the last two years, with all U.S. credit unions having a capital ratio of 11.2%, and New England credit unions with 13.0%.

If you would like to discuss the information in further detail, we would be happy to do so.

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