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

Below is our summary of financial data for New England credit unions. The data includes several key credit quality, performance, liquidity, and capital adequacy ratios. We then break out certain ratios we consider important for determining credit unions' financial performance and long-term viability.

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 on 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, decreased 9 basis points from Q2 2025 to 66 basis points for Q3 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 2 basis points to .94%. This ratio for the U.S. increased 17 basis points over the past quarter to .94%. Charge-off rates in Q3 2025 in New England increased by 4 basis points to .24%. All U.S. credit unions had a slight decrease in annualized charge-off rate to .76%. These ratios have been consistent since the beginning of 2024. 

Capital and Liquidity

The loans to shares ratio for New England Credit Unions was 71% in Q3 2025. On a national level, where the ratio has been significantly higher, the ratio of loans to shares was 84% for Q3 2025, up from 83% the prior quarter. Capital ratios have steadily increased over the last two years, with all U.S. credit unions having a capital ratio of 11.4%, and New England credit unions with 13.2% at the end of Q3 2025.

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

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