Beverly, MA · Charter 24192
NCUA · 2 branches
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 | 0.37% | 0.21% | 0.36% | 0.31% | 0.47% | 0.51% | 0.85% | 0.94% | +63 bps | |
| Return on Equity | 3.96% | 2.51% | 4.53% | 3.90% | 5.81% | 6.34% | 10.29% | 10.70% | +681 bps | |
| Net Interest Margin | 2.41% | 2.17% | 2.38% | 2.51% | 2.62% | 2.65% | 2.88% | 3.08% | +57 bps | |
| Efficiency Ratio | 84.68% | 90.34% | 84.69% | 87.94% | 82.71% | 81.63% | 70.01% | 67.91% | -2,004 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.60% | 46.85% | 46.10% | 32.61% | 20.79% | 11.55% | 5.01% | 0.15% | -3,246 bps | |
| Loan Growth (YoY) | 15.75% | 13.84% | 16.74% | 10.52% | 18.20% | 17.33% | 13.55% | 12.06% | +155 bps | |
| Share Growth (YoY) | 33.75% | 53.29% | 52.44% | 37.23% | 22.92% | 12.62% | 4.63% | -1.11% | -3,834 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.09% | 0.18% | 0.08% | +8 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 | 9.41% | 8.38% | 8.02% | 7.95% | 8.10% | 8.02% | 8.27% | 8.79% | +83 bps | |
| Net Worth / Assets | 9.41% | 8.38% | 8.02% | 7.95% | 8.10% | 8.02% | 8.27% | 8.79% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.25% | 74.54% | 76.43% | 74.30% | 79.09% | 77.66% | 82.94% | 84.20% | +990 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |