Cambridge, MA · Charter 1236
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 | 2.72% | 2.81% | 1.42% | 1.85% | 1.86% | 1.86% | 1.51% | 1.70% | -15 bps | |
| Return on Equity | 11.85% | 11.60% | 5.84% | 7.39% | 7.39% | 7.42% | 6.19% | 6.59% | -80 bps | |
| Net Interest Margin | 4.66% | 4.71% | 3.99% | 4.16% | 4.15% | 4.07% | 3.86% | 4.07% | -9 bps | |
| Efficiency Ratio | 45.29% | 44.71% | 54.41% | 50.72% | 51.89% | 52.10% | 57.87% | 56.72% | +601 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.35% | -0.86% | -0.99% | -1.04% | -1.29% | 4.51% | 8.41% | 4.32% | +535 bps | |
| Loan Growth (YoY) | 6.11% | 14.81% | 13.27% | 8.94% | 8.85% | 4.34% | 0.71% | 2.25% | -669 bps | |
| Share Growth (YoY) | -3.90% | -4.52% | -4.35% | -4.36% | -4.25% | 3.36% | 8.66% | 3.36% | +772 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.14% | 0.13% | 0.37% | 0.18% | 0.23% | 0.16% | 0.27% | -10 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 | 22.93% | 24.22% | 24.38% | 25.04% | 25.23% | 25.04% | 24.31% | 25.82% | +78 bps | |
| Net Worth / Assets | 22.93% | 24.22% | 24.38% | 25.04% | 25.23% | 25.04% | 24.31% | 25.82% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.57% | 81.88% | 81.62% | 82.49% | 82.50% | 82.65% | 75.65% | 81.61% | -88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |