West Warwick, RI · Charter 16614
NCUA · 1 branch
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 | 1.30% | 0.38% | 0.97% | 0.04% | 0.43% | 0.14% | 0.11% | 1.13% | +109 bps | |
| Return on Equity | 7.20% | 2.13% | 5.52% | 0.24% | 2.44% | 0.81% | 0.61% | 6.46% | +622 bps | |
| Net Interest Margin | 2.06% | 2.11% | 1.84% | 1.73% | 1.83% | 1.86% | 2.64% | 2.71% | +98 bps | |
| Efficiency Ratio | 36.63% | 82.16% | 47.29% | 97.66% | 76.25% | 92.49% | 95.94% | 58.49% | -3,917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | 0.20% | 2.04% | 5.28% | 0.32% | 3.00% | 0.00% | 2.60% | -268 bps | |
| Loan Growth (YoY) | -7.33% | -8.00% | -13.54% | -26.51% | -34.05% | 10.86% | 55.92% | 65.22% | +9,173 bps | |
| Share Growth (YoY) | 1.93% | -0.36% | 2.12% | 6.62% | 0.72% | 3.62% | 0.30% | 2.52% | -409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.84% | 3.04% | 3.65% | 3.73% | 4.31% | 2.74% | 2.34% | 2.26% | -147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.11% | 17.70% | 17.53% | 17.20% | 17.77% | 17.33% | 17.45% | 17.44% | +24 bps | |
| Net Worth / Assets | 18.11% | 17.70% | 17.53% | 17.20% | 17.77% | 17.33% | 17.45% | 17.44% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.96% | 18.86% | 15.25% | 14.82% | 13.07% | 20.18% | 23.70% | 23.88% | +906 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |