Somerville, MA · Charter 17679
NCUA · 1 branch
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 | 1.90% | 1.99% | 2.37% | 2.61% | 2.58% | 1.99% | 2.01% | 2.34% | -28 bps | |
| Return on Equity | 15.05% | 14.93% | 17.39% | 18.19% | 16.87% | 12.77% | 13.06% | 14.34% | -385 bps | |
| Net Interest Margin | 5.34% | 5.57% | 6.23% | 6.37% | 6.60% | 6.70% | 6.24% | 6.45% | +8 bps | |
| Efficiency Ratio | 61.87% | 61.78% | 60.54% | 57.67% | 59.31% | 59.84% | 64.84% | 61.27% | +360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | 2.07% | 2.92% | 1.25% | -1.75% | -1.75% | 0.26% | -0.90% | -215 bps | |
| Loan Growth (YoY) | 2.64% | 2.37% | 1.09% | -1.31% | -1.56% | -2.80% | -1.68% | 0.23% | +154 bps | |
| Share Growth (YoY) | -5.00% | -0.09% | 0.94% | -1.11% | -4.26% | -4.18% | -2.12% | -3.47% | -236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 1.57% | 0.35% | 0.98% | 0.94% | 1.43% | 1.11% | 1.51% | +53 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 | 2.02% | 2.08% | 1.84% | 1.96% | 1.96% | 2.00% | 1.96% | 1.89% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 13.33% | 13.60% | 14.38% | 15.30% | 15.55% | 15.38% | 16.28% | +191 bps | |
| Net Worth / Assets | 12.59% | 13.33% | 13.60% | 14.38% | 15.30% | 15.55% | 15.38% | 16.28% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.46% | 81.10% | 78.09% | 78.54% | 81.70% | 82.27% | 78.44% | 81.55% | +301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |