PackageTrendsPeer
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Leominster Employees

Leominster, MA · Charter 1461

NCUA · 1 branch

Q2 2026

$30.0MAssets
$14.1MLoans
$26.4MShares
$3.4MNet 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 0.90%, down 29 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.20%, up 11 bps from a year ago.
  • Funding: loans stand at 53.49% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.90%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.10%-36 bps YoY

Efficiency Ratio (quarter, annualized)

73.11%+480 bps YoY

Net Worth / Assets

11.20%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.24%1.15%0.94%0.90%-29 bps
Return on Equity10.72%10.87%10.09%8.37%8.07%-265 bps
Net Interest Margin3.47%3.50%3.41%3.15%3.10%-36 bps
Efficiency Ratio68.31%67.35%69.06%72.52%73.11%+480 bps
Growth
Asset Growth (YoY)10.54%11.23%5.21%9.99%8.65%-189 bps
Loan Growth (YoY)10.32%7.19%6.65%0.74%-1.07%-1,139 bps
Share Growth (YoY)10.29%11.60%4.46%10.24%8.72%-157 bps
Asset Quality
Delinquent Loans / Loans0.00%0.04%0.09%0.28%0.01%+1 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 Capital11.10%11.42%11.39%11.21%11.20%+11 bps
Net Worth / Assets11.10%11.42%11.39%11.21%11.20%+11 bps
Liquidity & Funding
Loans / Shares58.78%57.87%56.32%53.72%53.49%-529 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps