Somerset, MA · Charter 24239
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 | 0.62% | 0.56% | 0.43% | 0.48% | 0.63% | 0.63% | 0.66% | 0.69% | +22 bps | |
| Return on Equity | 5.04% | 4.38% | 3.37% | 3.74% | 4.99% | 5.07% | 5.31% | 5.54% | +180 bps | |
| Net Interest Margin | 2.71% | 2.65% | 2.53% | 2.64% | 2.62% | 2.59% | 2.72% | 2.78% | +15 bps | |
| Efficiency Ratio | 80.30% | 81.99% | 87.02% | 84.79% | 80.71% | 80.70% | 80.08% | 79.52% | -528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 0.46% | 3.22% | 4.89% | 5.75% | 9.35% | 8.10% | 8.30% | +341 bps | |
| Loan Growth (YoY) | 7.53% | 4.30% | 4.58% | 6.62% | 8.63% | 12.06% | 10.33% | 8.98% | +236 bps | |
| Share Growth (YoY) | 2.24% | 5.04% | 6.92% | 4.94% | 3.81% | 6.62% | 8.03% | 8.31% | +337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.46% | 0.17% | 0.21% | 0.09% | 0.17% | 0.07% | 0.19% | -2 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 | 12.32% | 12.84% | 12.66% | 12.75% | 12.66% | 12.37% | 12.40% | 12.51% | -23 bps | |
| Net Worth / Assets | 12.32% | 12.84% | 12.66% | 12.75% | 12.66% | 12.37% | 12.40% | 12.51% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.57% | 72.18% | 72.18% | 74.33% | 76.98% | 75.86% | 73.71% | 74.79% | +46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |