North Reading, MA · Charter 19446
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 | 1.62% | 1.43% | 2.18% | 1.89% | 1.76% | 1.72% | 1.31% | 1.48% | -41 bps | |
| Return on Equity | 4.67% | 4.04% | 6.24% | 5.32% | 4.97% | 4.81% | 3.72% | 3.97% | -135 bps | |
| Net Interest Margin | 5.46% | 5.52% | 5.42% | 5.23% | 5.05% | 5.12% | 4.74% | 4.97% | -26 bps | |
| Efficiency Ratio | 59.67% | 60.60% | 59.89% | 63.93% | 65.21% | 63.77% | 72.43% | 70.45% | +652 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.26% | -10.01% | -7.19% | -1.68% | 2.36% | 3.42% | 3.38% | -0.33% | +134 bps | |
| Loan Growth (YoY) | -17.59% | -16.11% | -16.54% | -21.54% | -17.39% | -14.82% | -13.24% | -13.87% | +768 bps | |
| Share Growth (YoY) | -19.08% | -16.26% | -12.47% | -5.15% | 1.23% | 2.65% | 2.81% | -2.92% | +224 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.23% | 1.12% | 2.94% | 2.34% | 1.93% | 0.64% | 0.61% | 0.43% | -191 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 | 0.18% | 0.89% | 0.86% | 0.91% | 0.93% | 1.03% | 1.09% | 1.03% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.70% | 35.26% | 34.86% | 35.53% | 35.41% | 35.82% | 35.20% | 37.19% | +166 bps | |
| Net Worth / Assets | 34.70% | 35.26% | 34.86% | 35.53% | 35.41% | 35.82% | 35.20% | 37.19% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.52% | 60.12% | 53.93% | 52.65% | 51.03% | 49.89% | 45.51% | 46.72% | -594 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |