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Marblehead Municipal

Marblehead, MA · Charter 23276

NCUA · 1 branch

Q2 2026

$13.5MAssets
$8.2MLoans
$11.4MShares
$2.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, unchanged from a year ago; NIM at 2.76%.
  • Asset quality: problem loans at 0.61% of loans (+37 bps YoY).
  • Capital: net worth / assets of 15.44%, down 92 bps from a year ago.
  • Funding: loans stand at 71.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%0 bps YoY

Net Interest Margin (quarter, annualized)

2.76%-19 bps YoY

Efficiency Ratio (quarter, annualized)

77.98%-122 bps YoY

Net Worth / Assets

15.44%-92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.62%0.62%0.69%0.59%0 bps
Return on Equity3.59%3.73%3.77%4.31%3.81%+22 bps
Net Interest Margin2.96%3.05%2.98%2.96%2.76%-19 bps
Efficiency Ratio79.20%79.01%79.58%73.99%77.98%-122 bps
Growth
Asset Growth (YoY)2.96%1.25%5.53%6.83%9.92%+695 bps
Loan Growth (YoY)8.37%7.71%2.33%-1.45%-7.49%-1,586 bps
Share Growth (YoY)2.98%0.88%5.87%7.44%11.16%+817 bps
Asset Quality
Delinquent Loans / Loans0.24%1.10%0.89%0.45%0.61%+37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.36%16.66%16.36%16.05%15.44%-92 bps
Net Worth / Assets16.36%16.66%16.36%16.05%15.44%-92 bps
Liquidity & Funding
Loans / Shares85.95%88.54%81.97%76.99%71.53%-1,442 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps