PackageTrendsPeer
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Shrewsbury

Shrewsbury, MA · Charter 13601

NCUA · 1 branch

Q2 2026

$249.4MAssets
$107.8MLoans
$229.8MShares
$21.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.89%, down 49 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.35% of loans (-5 bps YoY).
  • Capital: net worth / assets of 8.72%, down 4 bps from a year ago.
  • Funding: loans stand at 46.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%-49 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+34 bps YoY

Efficiency Ratio (YTD, annualized)

70.39%+1,007 bps YoY

Net Worth / Assets

8.72%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.15%0.94%0.73%0.89%-49 bps
Return on Equity15.80%13.13%11.27%8.57%10.26%-553 bps
Net Interest Margin2.59%2.63%2.57%2.93%2.92%+34 bps
Efficiency Ratio60.32%64.59%69.01%73.06%70.39%+1,007 bps
Growth
Asset Growth (YoY)4.43%7.11%13.46%7.79%9.88%+544 bps
Loan Growth (YoY)4.58%4.04%3.97%2.35%-0.97%-554 bps
Share Growth (YoY)8.02%11.57%12.77%7.45%11.30%+327 bps
Asset Quality
Delinquent Loans / Loans0.40%0.32%0.38%0.28%0.35%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.75%8.74%8.38%8.51%8.72%-4 bps
Net Worth / Assets8.75%8.74%8.38%8.51%8.72%-4 bps
Liquidity & Funding
Loans / Shares52.74%52.04%49.07%47.76%46.93%-581 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps