PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cranberry

West Wareham, MA · Charter 14850

NCUA · 3 branches

Q2 2026

$63.3MAssets
$44.0MLoans
$57.8MShares
$5.2MNet 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 0.25%, up 28 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.66% of loans (+14 bps YoY).
  • Capital: net worth / assets of 8.19%, up 33 bps from a year ago.
  • Funding: loans stand at 76.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+75 bps YoY

Efficiency Ratio (YTD, annualized)

84.59%-1,062 bps YoY

Net Worth / Assets

8.19%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.04%0.02%0.10%0.03%0.25%+28 bps
Return on Equity-0.47%0.25%1.19%0.34%3.01%+347 bps
Net Interest Margin2.60%2.75%2.98%3.26%3.35%+75 bps
Efficiency Ratio95.21%93.93%91.33%85.84%84.59%-1,062 bps
Growth
Asset Growth (YoY)8.99%11.88%2.36%-2.52%-1.28%-1,027 bps
Loan Growth (YoY)10.82%14.05%10.73%17.08%22.90%+1,208 bps
Share Growth (YoY)10.38%10.54%1.86%-2.74%-1.48%-1,186 bps
Asset Quality
Delinquent Loans / Loans0.52%1.39%0.41%0.45%0.66%+14 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 Capital7.85%7.84%8.28%8.16%8.19%+33 bps
Net Worth / Assets7.85%7.84%8.28%8.16%8.19%+33 bps
Liquidity & Funding
Loans / Shares61.01%66.75%70.53%72.83%76.11%+1,510 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps