Randolph, MA · Charter 14845
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.68% | 0.71% | 0.79% | 0.75% | +19 bps | |
| Return on Equity | 5.27% | 6.21% | 6.44% | 7.31% | 6.79% | +151 bps | |
| Net Interest Margin | 3.48% | 3.50% | 3.49% | 3.50% | 3.62% | +15 bps | |
| Efficiency Ratio | 82.57% | 79.13% | 78.95% | 78.71% | 80.50% | -207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | 7.32% | 1.91% | 6.03% | 4.79% | -29 bps | |
| Loan Growth (YoY) | 1.38% | 1.93% | -0.14% | 0.63% | 11.27% | +988 bps | |
| Share Growth (YoY) | 4.80% | 7.51% | 1.39% | 5.91% | 4.77% | -3 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 1.31% | 0.23% | 0.08% | 0.15% | -46 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.58% | 10.91% | 11.00% | 10.82% | 11.05% | +46 bps | |
| Net Worth / Assets | 10.58% | 10.91% | 11.00% | 10.82% | 11.05% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.37% | 75.19% | 72.88% | 71.57% | 80.05% | +467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |