Danvers, MA · Charter 14191
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 | 1.98% | 1.99% | 1.91% | 1.94% | 1.97% | 1.84% | 1.55% | 1.21% | -73 bps | |
| Return on Equity | 5.31% | 5.18% | 5.03% | 5.15% | 5.06% | 4.73% | 3.97% | 3.10% | -204 bps | |
| Net Interest Margin | 3.73% | 3.88% | 3.77% | 3.89% | 3.99% | 3.94% | 3.83% | 3.83% | -6 bps | |
| Efficiency Ratio | 47.00% | 48.55% | 49.27% | 50.21% | 50.67% | 53.25% | 59.65% | 68.49% | +1,828 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.78% | -3.44% | -1.61% | 1.44% | 0.88% | 3.31% | 2.30% | 0.30% | -115 bps | |
| Loan Growth (YoY) | -5.45% | -16.87% | -17.01% | -14.92% | -16.15% | -9.21% | -6.76% | -7.35% | +758 bps | |
| Share Growth (YoY) | -12.63% | -8.44% | -5.67% | -0.89% | -2.04% | 1.83% | 0.40% | -2.25% | -135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.29% | 0.32% | 0.33% | 0.34% | 0.36% | 0.36% | 0.36% | 0.37% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.25% | 38.37% | 38.02% | 37.65% | 38.88% | 38.98% | 38.91% | 38.99% | +134 bps | |
| Net Worth / Assets | 37.25% | 38.37% | 38.02% | 37.65% | 38.88% | 38.98% | 38.91% | 38.99% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.85% | 94.46% | 88.92% | 84.17% | 84.61% | 84.21% | 82.58% | 79.78% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |