Hadley, MA · Charter 18181
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.43% | 0.43% | 0.38% | 0.52% | +23 bps | |
| Return on Equity | 3.20% | 4.59% | 4.55% | 4.10% | 5.43% | +223 bps | |
| Net Interest Margin | 3.26% | 3.35% | 3.40% | 3.53% | 3.63% | +37 bps | |
| Efficiency Ratio | 84.31% | 82.87% | 82.92% | 85.17% | 83.24% | -107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.66% | -0.48% | 0.97% | -0.52% | -0.34% | -100 bps | |
| Loan Growth (YoY) | -1.09% | -0.93% | -1.08% | 0.65% | 0.58% | +167 bps | |
| Share Growth (YoY) | 5.42% | 4.86% | 4.52% | 3.16% | 1.42% | -400 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 0.88% | 0.92% | 0.98% | 1.02% | +7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 9.31% | 9.38% | 9.36% | 9.66% | +54 bps | |
| Net Worth / Assets | 9.11% | 9.31% | 9.38% | 9.36% | 9.66% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.43% | 87.65% | 86.77% | 84.69% | 85.73% | -71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |