Leominster, MA · Charter 1461
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 | 1.12% | 1.07% | 1.25% | 1.19% | 1.24% | 1.15% | 0.94% | 0.90% | -29 bps | |
| Return on Equity | 9.89% | 9.93% | 11.16% | 10.72% | 10.87% | 10.09% | 8.37% | 8.07% | -265 bps | |
| Net Interest Margin | 3.45% | 3.24% | 3.53% | 3.47% | 3.50% | 3.41% | 3.15% | 3.10% | -36 bps | |
| Efficiency Ratio | 69.05% | 68.85% | 68.42% | 68.31% | 67.35% | 69.06% | 72.52% | 73.11% | +480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | 11.46% | 9.56% | 10.54% | 11.23% | 5.21% | 9.99% | 8.65% | -189 bps | |
| Loan Growth (YoY) | 3.89% | -3.96% | 4.08% | 10.32% | 7.19% | 6.65% | 0.74% | -1.07% | -1,139 bps | |
| Share Growth (YoY) | 1.83% | 11.35% | 9.18% | 10.29% | 11.60% | 4.46% | 10.24% | 8.72% | -157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.01% | 0.01% | 0.00% | 0.04% | 0.09% | 0.28% | 0.01% | +1 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 | 11.35% | 10.77% | 11.17% | 11.10% | 11.42% | 11.39% | 11.21% | 11.20% | +11 bps | |
| Net Worth / Assets | 11.35% | 10.77% | 11.17% | 11.10% | 11.42% | 11.39% | 11.21% | 11.20% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.25% | 55.16% | 58.79% | 58.78% | 57.87% | 56.32% | 53.72% | 53.49% | -529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |