Methuen, MA · Charter 12334
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.76% | 0.77% | 0.53% | 0.55% | -18 bps | |
| Return on Equity | 7.12% | 7.23% | 7.20% | 5.04% | 5.21% | -191 bps | |
| Net Interest Margin | 3.91% | 3.97% | 4.02% | 3.94% | 4.07% | +15 bps | |
| Efficiency Ratio | 82.82% | 82.84% | 82.32% | 87.73% | 87.59% | +477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.70% | 6.21% | 6.36% | 4.82% | 4.07% | -263 bps | |
| Loan Growth (YoY) | -0.74% | -2.13% | -0.25% | -0.79% | 1.86% | +260 bps | |
| Share Growth (YoY) | 6.31% | 5.89% | 6.34% | 4.50% | 4.16% | -214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.42% | 0.94% | 0.72% | 0.91% | +41 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.34% | 10.54% | 10.74% | 10.47% | 10.61% | +26 bps | |
| Net Worth / Assets | 10.34% | 10.54% | 10.74% | 10.47% | 10.61% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.40% | 80.23% | 81.74% | 77.24% | 78.63% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |