PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Burlington Municipal Employees

Burlington, MA · Charter 14865

NCUA · 2 branches

Q2 2026

$11.0MAssets
$4.9MLoans
$9.2MShares
$1.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, down 150 bps year over year; NIM at 0.66%.
  • Asset quality: problem loans at 0.53% of loans (+53 bps YoY).
  • Capital: net worth / assets of 15.26%, up 165 bps from a year ago.
  • Funding: loans stand at 53.49% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.38%-150 bps YoY

Net Interest Margin (quarter, annualized)

0.66%-389 bps YoY

Efficiency Ratio (quarter, annualized)

47.67%-1,243 bps YoY

Net Worth / Assets

15.26%+165 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.11%1.83%2.02%1.88%2.03%1.90%4.28%0.38%-150 bps
Return on Equity16.68%14.55%15.25%13.85%14.54%13.36%29.32%2.51%-1,133 bps
Net Interest Margin5.05%4.74%4.56%4.56%4.71%4.43%4.97%0.66%-389 bps
Efficiency Ratio54.66%58.83%57.30%60.10%58.16%58.82%14.54%47.67%-1,243 bps
Growth
Asset Growth (YoY)-5.38%-2.94%-3.99%-0.44%3.95%1.95%5.05%3.79%+423 bps
Loan Growth (YoY)3.02%1.64%-5.51%-2.30%5.91%7.88%7.19%3.48%+578 bps
Share Growth (YoY)-7.88%-5.70%-6.70%-2.58%2.45%0.22%3.42%1.77%+435 bps
Asset Quality
Delinquent Loans / Loans1.75%1.73%0.00%0.00%0.00%1.49%0.08%0.53%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.65%12.60%13.25%13.60%13.99%14.23%14.59%15.26%+165 bps
Net Worth / Assets12.65%12.60%13.25%13.60%13.99%14.23%14.59%15.26%+165 bps
Liquidity & Funding
Loans / Shares53.41%51.78%51.82%52.61%55.21%55.74%53.71%53.49%+88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps