Lowell, MA · Charter 12666
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 | 0.93% | 0.78% | 0.74% | 0.90% | 0.98% | 1.02% | 0.67% | 0.79% | -11 bps | |
| Return on Equity | 7.84% | 6.84% | 6.65% | 7.76% | 8.46% | 8.75% | 5.84% | 6.61% | -115 bps | |
| Net Interest Margin | 4.13% | 3.90% | 3.49% | 3.61% | 3.63% | 3.62% | 3.56% | 3.63% | +2 bps | |
| Efficiency Ratio | 78.61% | 81.46% | 82.49% | 81.47% | 78.85% | 77.36% | 84.60% | 82.97% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.99% | 8.23% | 10.70% | 5.56% | 10.49% | 7.81% | 5.89% | 5.97% | +41 bps | |
| Loan Growth (YoY) | -3.37% | -1.99% | -6.25% | -5.21% | -1.57% | -2.41% | -0.18% | 0.64% | +585 bps | |
| Share Growth (YoY) | 6.69% | 11.66% | 13.20% | 7.13% | 12.37% | 9.20% | 5.87% | 5.96% | -117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.19% | 1.20% | 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 | 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 | 11.88% | 11.44% | 11.18% | 11.58% | 11.61% | 11.64% | 11.55% | 11.91% | +32 bps | |
| Net Worth / Assets | 11.88% | 11.44% | 11.18% | 11.58% | 11.61% | 11.64% | 11.55% | 11.91% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.02% | 83.87% | 75.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |