West Wareham, MA · Charter 14850
NCUA · 3 branches
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 | 0.15% | 0.03% | 0.19% | -0.04% | 0.02% | 0.10% | 0.03% | 0.25% | +28 bps | |
| Return on Equity | 1.65% | 0.35% | 2.44% | -0.47% | 0.25% | 1.19% | 0.34% | 3.01% | +347 bps | |
| Net Interest Margin | 2.46% | 2.40% | 2.51% | 2.60% | 2.75% | 2.98% | 3.26% | 3.35% | +75 bps | |
| Efficiency Ratio | 94.56% | 97.69% | 91.81% | 95.21% | 93.93% | 91.33% | 85.84% | 84.59% | -1,062 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.95% | 5.62% | 8.24% | 8.99% | 11.88% | 2.36% | -2.52% | -1.28% | -1,027 bps | |
| Loan Growth (YoY) | 3.52% | 7.90% | 7.28% | 10.82% | 14.05% | 10.73% | 17.08% | 22.90% | +1,208 bps | |
| Share Growth (YoY) | 1.50% | 9.43% | 9.03% | 10.38% | 10.54% | 1.86% | -2.74% | -1.48% | -1,186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.63% | 0.42% | 0.52% | 1.39% | 0.41% | 0.45% | 0.66% | +14 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 | 8.84% | 8.41% | 7.90% | 7.85% | 7.84% | 8.28% | 8.16% | 8.19% | +33 bps | |
| Net Worth / Assets | 8.84% | 8.41% | 7.90% | 7.85% | 7.84% | 8.28% | 8.16% | 8.19% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.70% | 64.88% | 60.50% | 61.01% | 66.75% | 70.53% | 72.83% | 76.11% | +1,510 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |