Marblehead, MA · Charter 23276
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 | 0.68% | 0.64% | 0.69% | 0.59% | 0.62% | 0.62% | 0.69% | 0.59% | 0 bps | |
| Return on Equity | 4.16% | 3.84% | 4.18% | 3.59% | 3.73% | 3.77% | 4.31% | 3.81% | +22 bps | |
| Net Interest Margin | 2.89% | 2.96% | 2.94% | 2.96% | 3.05% | 2.98% | 2.96% | 2.76% | -19 bps | |
| Efficiency Ratio | 78.53% | 78.91% | 79.41% | 79.20% | 79.01% | 79.58% | 73.99% | 77.98% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.24% | 6.47% | 4.01% | 2.96% | 1.25% | 5.53% | 6.83% | 9.92% | +695 bps | |
| Loan Growth (YoY) | 2.00% | 0.32% | 6.66% | 8.37% | 7.71% | 2.33% | -1.45% | -7.49% | -1,586 bps | |
| Share Growth (YoY) | 11.38% | 6.89% | 3.95% | 2.98% | 0.88% | 5.87% | 7.44% | 11.16% | +817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.41% | 0.21% | 0.24% | 1.10% | 0.89% | 0.45% | 0.61% | +37 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.32% | 16.67% | 16.55% | 16.36% | 16.66% | 16.36% | 16.05% | 15.44% | -92 bps | |
| Net Worth / Assets | 16.32% | 16.67% | 16.55% | 16.36% | 16.66% | 16.36% | 16.05% | 15.44% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.92% | 84.80% | 83.94% | 85.95% | 88.54% | 81.97% | 76.99% | 71.53% | -1,442 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |