Brotherhood Credit Union
Lynn, MA·Charter 66350·cu:66350·Credit union RBC / net worth
- #53 of 121Total assets in Massachusetts
- 5,211members
- Top 1%Efficiency vs. peers
- Top 1%Fee income vs. peers
- Top 1%Return on assets vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Brotherhood Credit Union
7 of 23 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Net worth ratio rising faster than peersStrength: Capital 2nd quarter43.67%peers 11.74%+31.9 pp
Brotherhood Credit Union's net worth ratio rose 4.2 percentage points over the past year to 43.67%. Among 770 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 43.67% | 11.74% | +31.9 pp |
| 12-month change | ||
| +4.2 pp | +0.3 pp | +3.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Brotherhood Credit Union itself is left out of every peer median and percentile. How signals work
Auto lending shrinking faster than peersNotable: Lending 2nd quarter-35.4%peers -1.8%-33.6 pp
Brotherhood Credit Union's auto loans declined 35.4% over the past year to $3.8 million. The median among 770 similar credit unions was -1.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| -35.4% | -1.8% | -33.6 pp |
| Auto loans | ||
| $3.8 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Brotherhood Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar credit unionsStrength: Earnings10.97%peers 1.02%+995 bps
Brotherhood Credit Union's noninterest income relative to average assets was 10.97%, compared with a median of 1.02% among 770 similar credit unions: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 10.97% | 1.02% | +995 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Brotherhood Credit Union itself is left out of every peer median and percentile. How signals work
Shares and deposits shrinking while the peer median growsWorth a look: Funding-7.6%peers +3.5%-11.1 pp
Brotherhood Credit Union's shares and deposits declined 7.6% over the past year to $69.7 million. The median among 770 similar credit unions was +3.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| -7.6% | +3.5% | -11.1 pp |
| Shares and deposits | ||
| $69.7 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Brotherhood Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans rising faster than peersWorth a look: Asset quality 2nd quarter1.18%peers 0.71%+47 bps
Brotherhood Credit Union's loans 60+ days delinquent as a share of loans rose 98 bps over the past year to 1.18%. Among 770 similar credit unions, the median rose 3 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 1.18% | 0.71% | +47 bps |
| 12-month change | ||
| +98 bps | +3 bps | +95 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Brotherhood Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Return on assets rising while the peer median holds steadyEarnings
- Share and deposit costs falling faster than peersFunding
Key facts
- Brotherhood Credit Union is a state-chartered credit union headquartered in Lynn, Massachusetts. It reported $125 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $69.7 million, down 7.6% from a year earlier, and loans totaled $62.7 million, up 1.3%.
- Its net interest margin on average assets was 2.74% and its annualized return on assets was 10.67% for the quarter.
- Its cost of all shares and deposits was 1.78%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 5,211 members, down 2.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Brotherhood Credit Union's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Brotherhood Credit Union · Credit union
- NCUA charter
- 66350
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Brotherhood Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $3.34M | |
| $1.17M | |
| $316.74K | |
| $856.25K | |
| $3.43M | |
| $950.2K | |
| $422 | |
| $422 | |
| 10.67% | |
| 2.74% | |
| 22.17% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.