Lowell, MA · Charter 12666
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.98% | 1.02% | 0.67% | 0.79% | -11 bps | |
| Return on Equity | 7.76% | 8.46% | 8.75% | 5.84% | 6.61% | -115 bps | |
| Net Interest Margin | 3.61% | 3.63% | 3.62% | 3.56% | 3.63% | +2 bps | |
| Efficiency Ratio | 81.47% | 78.85% | 77.36% | 84.60% | 82.97% | +151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.56% | 10.49% | 7.81% | 5.89% | 5.97% | +41 bps | |
| Loan Growth (YoY) | -5.21% | -1.57% | -2.41% | -0.18% | 0.64% | +585 bps | |
| Share Growth (YoY) | 7.13% | 12.37% | 9.20% | 5.87% | 5.96% | -117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.02% | 0.03% | 0.61% | +61 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 | 11.58% | 11.61% | 11.64% | 11.55% | 11.91% | +32 bps | |
| Net Worth / Assets | 11.58% | 11.61% | 11.64% | 11.55% | 11.91% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.59% | 77.10% | 74.95% | 71.05% | 72.74% | -385 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |