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Beverly Municipal

Beverly, MA · Charter 24192

NCUA · 2 branches

Q2 2026

$25.8MAssets
$19.3MLoans
$22.9MShares
$2.3MNet 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 0.94%, up 63 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.08% of loans (+8 bps YoY).
  • Capital: net worth / assets of 8.79%, up 83 bps from a year ago.
  • Funding: loans stand at 84.20% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.94%+63 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+57 bps YoY

Efficiency Ratio (quarter, annualized)

67.91%-2,004 bps YoY

Net Worth / Assets

8.79%+83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.47%0.51%0.85%0.94%+63 bps
Return on Equity3.90%5.81%6.34%10.29%10.70%+681 bps
Net Interest Margin2.51%2.62%2.65%2.88%3.08%+57 bps
Efficiency Ratio87.94%82.71%81.63%70.01%67.91%-2,004 bps
Growth
Asset Growth (YoY)32.61%20.79%11.55%5.01%0.15%-3,246 bps
Loan Growth (YoY)10.52%18.20%17.33%13.55%12.06%+155 bps
Share Growth (YoY)37.23%22.92%12.62%4.63%-1.11%-3,834 bps
Asset Quality
Delinquent Loans / Loans0.00%0.09%0.09%0.18%0.08%+8 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 Capital7.95%8.10%8.02%8.27%8.79%+83 bps
Net Worth / Assets7.95%8.10%8.02%8.27%8.79%+83 bps
Liquidity & Funding
Loans / Shares74.30%79.09%77.66%82.94%84.20%+990 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps