Belmont Municipal

BELMONT, MA · 1 · Charter #4192
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.6M
19th percentile
Members
385
13th percentile
Total loans
$2.3M
25th percentile
Total shares
$2.8M
19th percentile

Profitability

Return on assets
0.58%
39th percentile
Net interest margin
5.90%
94th percentile
Efficiency ratio
76.54%
30th percentile
Non-interest income ratio
0.26%
8th percentile

Capital & Risk

Net worth ratio
22.74%
82th percentile
Delinquency rate
0.41%
61th percentile
Net charge-off rate
1.14%
14th percentile
Loan-to-share
82.71%
80th percentile

Growth

Member growth YoY
-1.28%
51th percentile
Asset growth YoY
-1.17%
35th percentile
Loan growth YoY
-12.10%
18th percentile
Share growth YoY
-1.81%
36th percentile

Operations

Members / branch
385
18th percentile
Assets / member
$9,328
51th percentile
Field of membership penetration
64.17%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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