Norwood, MA · Charter 17112
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 | 0.59% | 0.47% | 1.18% | 1.26% | 1.02% | 0.97% | 1.19% | 0.88% | -38 bps | |
| Return on Equity | 2.35% | 1.81% | 4.37% | 4.71% | 3.79% | 3.62% | 4.44% | 3.23% | -147 bps | |
| Net Interest Margin | 4.24% | 4.54% | 4.52% | 4.34% | 4.23% | 4.36% | 4.18% | 4.29% | -5 bps | |
| Efficiency Ratio | 78.22% | 87.37% | 71.65% | 70.11% | 74.22% | 76.51% | 72.67% | 77.90% | +778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.60% | -5.86% | -9.19% | -8.25% | -4.66% | -0.44% | 4.21% | 1.61% | +987 bps | |
| Loan Growth (YoY) | -14.97% | -15.93% | -17.17% | -7.25% | -8.74% | -7.75% | -1.90% | -4.98% | +227 bps | |
| Share Growth (YoY) | -2.47% | -8.27% | -12.25% | -11.09% | -6.78% | -1.90% | 4.37% | 1.12% | +1,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 9.27% | 4.42% | 2.47% | 0.27% | 6.92% | 4.89% | 4.88% | +241 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 | 0.53% | 0.82% | 0.94% | 0.92% | 1.06% | 1.07% | 1.06% | 1.13% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.18% | 25.84% | 26.96% | 26.72% | 26.84% | 26.92% | 26.84% | 27.07% | +36 bps | |
| Net Worth / Assets | 25.18% | 25.84% | 26.96% | 26.72% | 26.84% | 26.92% | 26.84% | 27.07% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.73% | 75.62% | 75.31% | 77.62% | 72.18% | 71.10% | 70.79% | 72.94% | -468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |