Pawtucket, RI · Charter 16016
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 | 0.85% | 0.84% | 1.38% | 0.14% | 0.45% | -40 bps | |
| Return on Equity | 6.68% | 6.30% | 10.44% | 1.05% | 3.36% | -332 bps | |
| Net Interest Margin | 4.19% | 4.30% | 4.91% | 3.56% | 3.92% | -27 bps | |
| Efficiency Ratio | 80.35% | 81.01% | 72.50% | 96.05% | 88.78% | +842 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.80% | 0.06% | 0.56% | -3.11% | 0.94% | -387 bps | |
| Loan Growth (YoY) | -1.56% | -0.93% | -5.75% | 1.44% | -3.92% | -236 bps | |
| Share Growth (YoY) | 3.40% | -1.54% | -0.25% | -4.74% | 0.07% | -333 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.27% | 0.22% | 0.00% | 0.60% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.16% | 0.00% | 0.92% | 0.94% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.68% | 13.32% | 13.19% | 13.74% | 13.38% | +70 bps | |
| Net Worth / Assets | 12.68% | 13.32% | 13.19% | 13.74% | 13.38% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.71% | 72.19% | 67.58% | 73.18% | 69.81% | -290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |