Pittsfield, MA · Charter 10065
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 0.98% | -1.14% | 0.19% | 0.43% | 0.47% | 0.08% | 0.06% | -14 bps | |
| Return on Equity | 10.52% | 7.78% | -9.66% | 1.57% | 3.28% | 3.65% | 0.67% | 0.45% | -112 bps | |
| Net Interest Margin | 3.61% | 3.64% | 3.49% | 3.71% | 3.87% | 3.77% | 3.46% | 3.70% | -1 bps | |
| Efficiency Ratio | 64.44% | 72.08% | 67.06% | 68.53% | 71.13% | 75.38% | 86.85% | 88.09% | +1,956 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.51% | -8.69% | -6.85% | -4.66% | -4.23% | -1.28% | -1.63% | -2.37% | +229 bps | |
| Loan Growth (YoY) | -6.31% | -11.58% | -16.16% | -14.23% | -15.60% | -13.39% | -13.80% | -12.63% | +160 bps | |
| Share Growth (YoY) | -11.04% | -10.49% | -7.89% | -5.67% | -5.11% | -2.09% | -2.79% | -3.24% | +243 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.14% | 4.38% | 1.05% | 1.27% | 3.57% | 3.35% | 1.46% | 2.33% | +105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.60% | 12.59% | 11.77% | 12.36% | 13.20% | 12.98% | 12.54% | 12.87% | +51 bps | |
| Net Worth / Assets | 12.60% | 12.59% | 11.77% | 12.36% | 13.20% | 12.98% | 12.54% | 12.87% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.11% | 44.17% | 40.06% | 41.03% | 41.01% | 39.07% | 35.52% | 37.05% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |