DIRECT
CUNeedham, MA
Total Assets
$790M
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Total Loans
$695M
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DIRECT in MA reported a Texas Ratio of 3.1% in Q1 2026, declining -1.0pp from the prior quarter. Nonperforming assets fell to 0.40%, down -0.13pp sequentially.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $342M | 49.2% | — | — |
| 1-4 family — junior lien | $205M | 29.4% | — | — |
| Multifamily | $22M | 3.2% | — | — |
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| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
DIRECT currently appears on: Under-Reserved Lenders