Andover, MA · Charter 16067
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.36% | 0.43% | 0.56% | 0.62% | 0.75% | 0.80% | 1.00% | +43 bps | |
| Return on Equity | 3.80% | 2.95% | 3.54% | 4.57% | 4.96% | 5.83% | 6.12% | 7.54% | +297 bps | |
| Net Interest Margin | 2.18% | 2.19% | 2.28% | 2.37% | 2.41% | 2.54% | 2.56% | 2.69% | +32 bps | |
| Efficiency Ratio | 79.88% | 84.21% | 83.08% | 81.14% | 77.02% | 71.87% | 74.16% | 66.72% | -1,442 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.91% | -4.43% | -3.35% | -2.03% | 0.45% | 0.89% | -0.15% | 0.81% | +284 bps | |
| Loan Growth (YoY) | 1.62% | -3.68% | -5.44% | -5.64% | -3.33% | -7.96% | -9.52% | -13.22% | -758 bps | |
| Share Growth (YoY) | -9.37% | -5.39% | -4.14% | -2.82% | -0.10% | 0.16% | -1.13% | -0.18% | +264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.09% | 0.19% | 2.16% | 2.10% | 0.98% | 1.16% | 0.67% | -149 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 | 12.12% | 12.30% | 12.20% | 12.35% | 12.54% | 12.94% | 13.06% | 13.21% | +86 bps | |
| Net Worth / Assets | 12.12% | 12.30% | 12.20% | 12.35% | 12.54% | 12.94% | 13.06% | 13.21% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.96% | 28.34% | 27.29% | 27.08% | 27.06% | 26.04% | 24.97% | 23.54% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |