PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New England Teamsters

Charlestown, MA · Charter 21507

NCUA · 1 branch

Q2 2026

$74.8MAssets
$26.7MLoans
$66.5MShares
$9.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, up 19 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 2.08% of loans (+68 bps YoY).
  • Capital: net worth / assets of 12.90%, up 101 bps from a year ago.
  • Funding: loans stand at 40.09% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.88%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+21 bps YoY

Efficiency Ratio (quarter, annualized)

77.52%-253 bps YoY

Net Worth / Assets

12.90%+101 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.16%0.81%0.69%0.73%0.66%0.98%0.88%+19 bps
Return on Equity11.19%9.33%6.60%5.82%5.97%5.16%7.70%6.84%+102 bps
Net Interest Margin3.48%3.46%3.02%2.80%2.97%3.02%2.94%3.01%+21 bps
Efficiency Ratio63.40%67.57%78.87%80.05%79.25%81.68%76.23%77.52%-253 bps
Growth
Asset Growth (YoY)-4.21%-4.14%-0.28%5.30%5.02%1.82%1.99%-2.69%-799 bps
Loan Growth (YoY)-2.04%-2.22%-2.21%-5.66%-1.76%-3.76%-4.19%-1.79%+387 bps
Share Growth (YoY)-7.51%-5.60%-2.23%3.59%4.10%-0.18%0.64%-4.10%-769 bps
Asset Quality
Delinquent Loans / Loans3.33%2.07%1.40%1.41%1.42%1.48%1.73%2.08%+68 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 Capital12.21%12.38%12.28%11.89%12.24%12.76%12.68%12.90%+101 bps
Net Worth / Assets12.21%12.38%12.28%11.89%12.24%12.76%12.68%12.90%+101 bps
Liquidity & Funding
Loans / Shares43.25%43.10%41.61%39.15%40.81%41.55%39.61%40.09%+95 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps