Greenfield, MA · Charter 12604
NCUA · 2 branches
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.80% | 0.88% | 0.90% | 1.14% | +52 bps | |
| Return on Equity | 8.08% | 9.86% | 10.42% | 10.59% | 13.25% | +517 bps | |
| Net Interest Margin | 3.84% | 4.14% | 4.28% | 4.22% | 4.32% | +47 bps | |
| Efficiency Ratio | 80.92% | 78.88% | 77.59% | 76.76% | 75.73% | -519 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.33% | -1.28% | -1.03% | -0.43% | 1.03% | +137 bps | |
| Loan Growth (YoY) | -1.99% | 1.20% | 3.34% | 6.32% | 5.53% | +752 bps | |
| Share Growth (YoY) | -0.88% | -1.96% | -2.53% | -1.92% | -0.21% | +67 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.30% | 0.75% | 0.76% | 0.63% | +40 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 | 7.67% | 8.16% | 8.48% | 8.51% | 8.60% | +93 bps | |
| Net Worth / Assets | 7.67% | 8.16% | 8.48% | 8.51% | 8.60% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.44% | 60.80% | 62.96% | 62.39% | 60.75% | +330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |