Lowell, MA · Charter 2065
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 | 1.08% | 1.20% | 0.80% | 0.53% | 0.54% | 0.50% | 0.50% | 0.49% | -4 bps | |
| Return on Equity | 13.69% | 14.18% | 9.42% | 6.30% | 6.88% | 6.26% | 6.40% | 6.26% | -4 bps | |
| Net Interest Margin | 4.19% | 4.34% | 4.24% | 4.25% | 3.84% | 3.86% | 3.60% | 3.64% | -61 bps | |
| Efficiency Ratio | 74.73% | 72.92% | 81.41% | 87.75% | 86.36% | 87.40% | 86.15% | 86.59% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.55% | 0.87% | 3.37% | 0.58% | 11.87% | 13.95% | 15.63% | 14.70% | +1,412 bps | |
| Loan Growth (YoY) | 1.11% | 3.34% | 1.66% | 2.24% | -3.73% | -8.41% | -12.42% | -15.32% | -1,756 bps | |
| Share Growth (YoY) | 2.80% | -0.41% | 2.34% | -0.51% | 12.00% | 14.66% | 16.68% | 15.59% | +1,610 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | 0.00% | 0.00% | 0.00% | -6 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 | 0.43% | 0.42% | 0.43% | 0.43% | 0.44% | 0.41% | 0.44% | 0.46% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.90% | 8.48% | 8.51% | 8.48% | 7.79% | 7.94% | 7.79% | 7.86% | -63 bps | |
| Net Worth / Assets | 7.90% | 8.48% | 8.51% | 8.48% | 7.79% | 7.94% | 7.79% | 7.86% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.72% | 82.92% | 79.48% | 78.04% | 67.66% | 66.23% | 59.66% | 57.17% | -2,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |