PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lexington Town Employees

Lexington, MA · Charter 14750

NCUA · 1 branch

Q3 2025

$9.3MAssets
$4.1MLoans
$8.6MShares
$701KNet 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 -3.10%, down 275 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.00% of loans (-73 bps YoY).
  • Capital: net worth / assets of 7.53%, down 220 bps from a year ago.
  • Funding: loans stand at 48.35% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-3.10%-275 bps YoY

Net Interest Margin (YTD, annualized)

4.64%+42 bps YoY

Efficiency Ratio (YTD, annualized)

156.65%+4,876 bps YoY

Net Worth / Assets

7.53%-220 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-0.35%-0.29%0.20%-0.58%-3.10%-275 bps
Return on Equity-3.58%-3.18%2.20%-6.73%-41.19%-3,761 bps
Net Interest Margin4.23%4.11%4.23%4.20%4.64%+42 bps
Efficiency Ratio107.89%106.71%81.14%101.57%156.65%+4,876 bps
Growth
Asset Growth (YoY)-7.53%-1.28%-7.81%-5.52%-8.37%-84 bps
Loan Growth (YoY)-8.07%-13.32%-17.21%-24.03%-24.59%-1,652 bps
Share Growth (YoY)-7.76%-4.68%-8.53%-3.53%-6.10%+166 bps
Asset Quality
Delinquent Loans / Loans0.73%2.18%1.21%0.29%0.00%-73 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 Capital9.73%9.27%9.02%8.63%7.53%-220 bps
Net Worth / Assets9.73%9.27%9.02%8.63%7.53%-220 bps
Liquidity & Funding
Loans / Shares60.21%56.31%53.16%47.57%48.35%-1,185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps