PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rockland

Rockland, MA · Charter 24224

NCUA · 9 branches

Q2 2026

$3.8BAssets
$3.4BLoans
$3.3BShares
$392.2MNet 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 0.70%, up 8 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.38% of loans (+9 bps YoY).
  • Capital: net worth / assets of 10.25%, down 52 bps from a year ago.
  • Funding: loans stand at 102.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.41%+8 bps YoY

Efficiency Ratio (YTD, annualized)

65.03%-37 bps YoY

Net Worth / Assets

10.25%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.83%0.78%0.53%0.70%+8 bps
Return on Equity5.76%7.68%7.19%5.03%6.84%+108 bps
Net Interest Margin2.33%2.33%2.35%2.35%2.41%+8 bps
Efficiency Ratio65.40%62.90%64.18%71.67%65.03%-37 bps
Growth
Asset Growth (YoY)8.20%8.12%6.59%13.82%14.74%+654 bps
Loan Growth (YoY)7.70%4.74%2.75%6.36%10.85%+315 bps
Share Growth (YoY)7.14%7.57%8.07%13.16%14.17%+703 bps
Asset Quality
Delinquent Loans / Loans0.29%0.42%0.45%0.34%0.38%+9 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 Capital10.77%10.78%10.89%10.45%10.25%-52 bps
Net Worth / Assets10.77%10.78%10.89%10.45%10.25%-52 bps
Liquidity & Funding
Loans / Shares105.11%102.65%100.52%97.70%102.06%-305 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps