PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Goldmark

Attleboro, MA · Charter 11400

NCUA · 1 branch

Q2 2026

$50.2MAssets
$19.0MLoans
$44.7MShares
$5.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, up 9 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.74%, down 3 bps from a year ago.
  • Funding: loans stand at 42.41% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.58%+9 bps YoY

Net Interest Margin (quarter, annualized)

2.45%0 bps YoY

Efficiency Ratio (quarter, annualized)

80.20%-337 bps YoY

Net Worth / Assets

10.74%-3 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.53%0.20%0.49%0.52%0.52%0.52%0.58%+9 bps
Return on Equity5.47%4.93%1.88%4.53%4.79%4.80%4.82%5.37%+84 bps
Net Interest Margin2.46%2.38%2.34%2.45%2.46%2.42%2.42%2.45%0 bps
Efficiency Ratio80.24%82.14%92.91%83.57%82.63%82.37%82.07%80.20%-337 bps
Growth
Asset Growth (YoY)7.63%11.59%6.39%7.49%7.00%4.84%3.75%5.76%-173 bps
Loan Growth (YoY)2.49%-0.01%-4.22%-4.53%-6.25%-7.44%-5.94%-6.48%-194 bps
Share Growth (YoY)7.63%12.19%6.56%7.82%7.35%4.82%3.51%5.68%-214 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.02%10.72%10.55%10.76%10.77%10.74%10.76%10.74%-3 bps
Net Worth / Assets11.02%10.72%10.55%10.76%10.77%10.74%10.76%10.74%-3 bps
Liquidity & Funding
Loans / Shares52.84%50.42%47.86%47.92%46.15%44.52%43.49%42.41%-551 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps