PackageTrendsPeer
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Umassfive College

Hadley, MA · Charter 18181

NCUA · 6 branches

Q2 2026

$702.7MAssets
$541.9MLoans
$632.2MShares
$67.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, up 23 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.02% of loans (+7 bps YoY).
  • Capital: net worth / assets of 9.66%, up 54 bps from a year ago.
  • Funding: loans stand at 85.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+37 bps YoY

Efficiency Ratio (YTD, annualized)

83.24%-107 bps YoY

Net Worth / Assets

9.66%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.24%0.00%0.29%0.43%0.43%0.38%0.52%+23 bps
Return on Equity1.92%2.62%0.05%3.20%4.59%4.55%4.10%5.43%+223 bps
Net Interest Margin2.95%3.06%3.11%3.26%3.35%3.40%3.53%3.63%+37 bps
Efficiency Ratio88.82%86.54%88.19%84.31%82.87%82.92%85.17%83.24%-107 bps
Growth
Asset Growth (YoY)4.99%-0.58%1.11%0.66%-0.48%0.97%-0.52%-0.34%-100 bps
Loan Growth (YoY)5.08%1.23%-1.47%-1.09%-0.93%-1.08%0.65%0.58%+167 bps
Share Growth (YoY)2.40%1.20%3.34%5.42%4.86%4.52%3.16%1.42%-400 bps
Asset Quality
Delinquent Loans / Loans0.85%1.11%0.99%0.94%0.88%0.92%0.98%1.02%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.87%9.07%8.83%9.11%9.31%9.38%9.36%9.66%+54 bps
Net Worth / Assets8.87%9.07%8.83%9.11%9.31%9.38%9.36%9.66%+54 bps
Liquidity & Funding
Loans / Shares92.77%91.68%86.81%86.43%87.65%86.77%84.69%85.73%-71 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps